Bluestone Mortgages Home Loans - Mortgage Lender
Offering an award winning range of specialist home and business/commerical loan, Bluestone's loans are designed to be more flexible to suit a variety of customers and situations.
Loan Products
| Type of Loan |
Home Loan Information |
| Self-certify Income |
|
| > Low Doc |
Bluestone’s Lo-doc product is designed for the self-employed, companies and trusts who have had an ABN registered for 2 years or more (GST registered at the time of application) and are not able or do not wish to produce full financials. If you are applying for a loan that is greater than or equal to 80% of the value of your security property, your self-certified net income will need to be supported by 1 month personal and business statements. |
| > Lite Blue |
Lite Blue is available if you are self-employed, a company or a trustee and have been trading for more than 12 months (ABN must be registered at time of application) and wish to self-certify your net income. f you are applying for a loan that is greater than or equal to 80% of the value of your security property, your certified net income will need to be supported by providing your latest personal and business (1 month - issued within last 90 days) bank statements and other documentary evidence including an ABN. |
| > Business Easy |
Business Easy is available if you are self-employed, a company or a trustee and have been trading for less than 12 months, or if you are about to start a new business and wish to self-certify your net income. If you are applying for a loan that is greater than or equal to 80% of the value of your security property, your certified net income will need to be supported by providing your latest personal and business (1 month - issued in last 90 days) bank statements and other documentary evidence including an ABN. |
| Fully-verify Income |
|
| > Clean State |
Clean Slate is for those who can fully-verify their income. You may be either on a salary/wage (full-time, part-time, casual or contractor) or have been self-employed for over two years. ''Fully-verify' means that your stated income is supported by acceptable documents such as pay slips, original letter from an employer, group certificates or tax returns. If you are retired or on a pension, acceptable documentary evidence includes Centrelink statements, and superannuation investment statements. You must be able to service the loan and be currently employed for a minimum of three months. |
Branches and offices
The Bluestone Group operates throughout Australia and New Zealand.��
Bluestone Mortgages Home Loans Points of difference
At the Money Magazine's 'Best of the Best Awards', Bluestone won SILVER for "Best Reverse Mortgage (Non-Bank)" and BRONZE for "Cheapest Loan with Credit Impairment".
Good mortgage brokers understand a broad range of lender preferences and that is why it is really useful to talk to a local mortgage broker about your specific situation. They will use their knowledge and specialized software to assist you in making the most informed decision. Simply put, a mortgage broker evaluates your situation against the lenders on their panel for the best deal. More information on how to pick a home loan or how to assess the right business loan is available right here on the X Inc. site.
|
|
