Bluestone Home Loans Home Loan Rates

Who is Bluestone Home Loans?

Bluestone is an Australian non-bank lender that has helped more than 45,000 borrowers since 2000, specialising in prime and non-prime home loans with case-by-case credit assessment rather than automated scorecards.

That human assessment is the point: self-employed applicants, borrowers with a past credit event and near-miss bank declines get their file read by a person, with pricing tiered to the risk.

Who suits a Bluestone Home Loans home loan?

Bluestone tends to suit borrowers who almost fit bank criteria but not quite: a default that has aged, income the banks discount, or a recent switch to self-employment. Its non-prime tiers cost more than bank rates, so plan the refinance back to mainstream pricing once the file cleans up, and compare against the table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

• Refinance home loans
  Most common reason borrowers leave their current lender.
• Investment home loans
  Investor rates typically sit 20 to 40 bps above owner-occupier.
• First home buyer loans
  5%-deposit loans + First Home Guarantee panel.
• Cheapest today
  Sorted by comparison rate, true cost including fees.

Other lenders you might compare

Same purpose-built rate cards, different lender panels.

• Bankwest
  50 products tracked
• Bendigo Bank
  131 products tracked
• Beyond Bank Australia
  40 products tracked
• Brighten
  6 products tracked

Mortgage guides and market context

Plain-English explainers, plus where rates sit across the market today.

• What is a comparison rate?
  The statutory true-cost metric, decoded.
• What is LVR?
  How loan-to-value affects your rate and LMI.
• Home Loan Rate Index
  Where rates sit today versus the last 12 months.
• RBA cash rate tracker
  The cash rate and what it means for repayments.