Bluestone Mortgages
Specialist LenderBluestone Mortgages is a Welsh-headquartered specialist lender with Australian parent company backing, focused on adverse credit and self-employed mortgage lending. They are known for their transparent approach to credit impairment, providing clear criteria that help brokers place cases with confidence.
About Bluestone Mortgages
Bluestone Mortgages was founded in Wales and is backed by Bluestone Group, an Australian financial services company with experience in non-conforming lending. Bluestone focuses on adverse credit and self-employed mortgage lending, serving borrowers who struggle to access mainstream products. The lender has its headquarters in Wales and operates across the UK.
Bluestone is known for its transparent approach to credit impairment. The lender provides clear, published criteria that help brokers understand what is acceptable, reducing uncertainty when placing complex cases. Bluestone accepts a range of credit events and considers each application on its merits.
Bluestone Mortgages is broker-only and works with intermediaries across the UK. The lender benefits from its parent company's experience in specialist lending. Bluestone is regulated by the FCA.
Lending Focus
Bluestone Mortgages offers mortgage products across 2 categories including Residential, Adverse Credit.
Key Features
- Transparent adverse credit criteria with clear guidelines
- Backed by Australian parent company for funding stability
- Self-employed lending with flexible income verification
- Accepts discharged bankrupts and IVAs
- Award-winning broker service from Cardiff HQ
Pros & Cons
Pros
- Transparent adverse credit criteria with clear published guidelines
- Backed by Australian parent company for funding stability
- Accepts discharged bankrupts and IVAs
- Award-winning broker service and support
Cons
- –Broker-only — cannot apply direct
- –Higher rates than mainstream lenders
- –Residential only — no buy-to-let products
Fees & Charges
- Arrangement Fee
- Typically £995 — varies by product tier
- Valuation Fee
- Based on property value — usually £200–£1,200
- Early Repayment Charge
- Typically 3–5% during fixed-rate period
- Overpayment Allowance
- Up to 10% per year on most products
Mortgage Rates
Rate data coming soon. View rates on Bluestone Mortgages
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 85%
Frequently Asked Questions
Can I get a Bluestone mortgage after bankruptcy?
Yes, Bluestone Mortgages considers discharged bankrupts and those with IVAs. Their transparent criteria clearly outline the requirements for each credit situation.
Is Bluestone Mortgages an Australian company?
Bluestone Mortgages has an Australian parent company but is headquartered in Cardiff, Wales. The Australian backing provides strong funding stability for UK operations.
What makes Bluestone different from other adverse credit lenders?
Bluestone is known for their transparent, published criteria that clearly outline what credit impairments they accept. This helps brokers place cases with confidence.
Does Bluestone Mortgages accept self-employed borrowers?
Yes, Bluestone offers flexible income verification for self-employed borrowers alongside their adverse credit products.
How to Apply
Broker only. Bluestone Mortgages products are available through mortgage brokers. Find a broker with Bluestone Mortgages on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Kensington Mortgages | Residential, Buy-to-Let, Adverse Credit | Specialist | 85% |
| Pepper Money | Residential, Adverse Credit | Specialist | 85% |
| Precise Mortgages | Residential, Buy-to-Let, Adverse Credit+2 | Specialist | 85% |
| Tandem Mortgages | Residential, Adverse Credit | Specialist | 85% |
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