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WE ARE BLUESTONE MORTGAGES

Looking for a complex credit mortgage lender?

We're assisting brokers in providing support to customers that other lenders may have overlooked. Successfully processing cases, even in situations where the high-street lenders might have initially declined.

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Give your customers the credit they deserve

So many people miss out on homeownership because the complex credit market remains underserved, and banks and other high-street lenders are quick to brand mortgage seekers with poor credit as Unlendable. But at Bluestone Mortgages, we see real people who deserve to be considered for home ownership based on their unique life circumstances rather than a vanilla financial history. From contractors with inconsistent income, recent divorcees hoping to start over, first-time buyers looking to purchase a property with low credit, or those going back to work after a life event. At Bluestone Mortgages, we see real people who deserve to be considered for home ownership and our specialist residential product ranges could be the answer!

Quick link to our latest rates and information

Learn more about our mortgage products

Product guide

What we're about

Deposit Unlock

Saving for a deposit prevents many customers from taking the step to buying their first home. Deposit Unlock is a scheme that enables your customers to buy a new build home with a 5% deposit and with no equity loans required, they own 100% of the property. With no credit scoring, this scheme is perfect for those looking to purchase their first home with low credit scores, CCJs, or Defaults. We know that life can take unexpected twists and turns which can affect your customers' finances, but this shouldn’t be a barrier to homeownership.

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Life Event

We understand that life can be unpredictable and customers can build up a lot of unsecured debt that can lead to credit issues, such as CCJs, Defaults and Debt Management Plans. This shouldn’t hold customers back from achieving their homeownership dreams, which is why we're here to help your customers find the right mortgage solution for their unique circumstances.

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Self Employed & Contractors

We made it easy for borrowers who don’t work the usual 9 to 5. As a complex credit mortgage lender, we understand the challenges faced by contractors and self-employed individuals looking to get a mortgage. Unlike banks and high-street lenders, we don't base our lending decisions solely on employment status. Instead, we base our loan criteria on your client’s unique life circumstances.

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Remortgage

Our specialist products and flexible approach take the stress away for customers looking to readjust their finances and remortgage. Whether a customer wants a straight switch or to borrow more for home improvements, we have products to match their needs whilst also giving them the option of fee-free products. From debt consolidation to capital raising, we strive to make remortgaging possible.

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Right To Buy

Is your customer looking for a council house mortgage? We provide lending solutions built on real customer needs, not outdated rules and automated processes. Based on the belief that if you can help a customer demonstrate affordability, we can help find a way. We also have a great track record of lending to borrowers looking to purchase council properties through the Right to Buy scheme.

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Product Guide

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Forms & Downloads

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Want more information on our lending criteria?
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Our latest service levels

At Bluestone Mortgages, we prioritise accountability and transparency in every aspect of our service. We’re committed to getting offers to your customers as soon as we can. Our most recent service levels illustrate the timescale with which we process mortgage applications for our valued customers. The current service levels below were last updated on 29/04/2025.

90% of calls answered within 30 seconds

DIP's reviewed within 3 days

New case reviewed within 4 days

An underwriting turnaround of 4 days

Why Bluestone Mortgages?

We’re the lender you want in your corner for complex cases.

That’s because we go above and beyond on your case with our flexible underwriting – making the impossible possible. Read our mortgage case studies to see how we’ve helped real-life customers overcome challenges to secure their mortgages.

View case studies

Trusted by Brokers

Seamless....App to Offer in 24 hours! Often when you think of a specialist lender, you think excessive paperwork, long processing times and often a battle on your hands. Bluestone have been a breath of fresh air. The new portal is brilliant, user friendly and saves a lot of manual keying by pulling through debts from credit file.

Michelle Upton

From Perfect Mortgages

I've never in all my years as a mortgage adviser had a provider say to me, if you wait until... or if the customer pay x off they will have access to a better deal... So as far as I am concerned absolutely amazing service and input from Bluestone. Thank you!!!

Sarah Morgan

From Perfect Mortgages

Yet again they pulled it out the bag and offered on a really complex case. Flexible underwriting and real life criteria which is fit for the current market. What more could a broker in the specialise market ask for? Not every case is right for Bluestone and likewise they wont be the right lender for every client. But they are a lender that like to say yes and they love a good fight when a case has legs.

Bradley Wright

From Haysto

Great turnaround time, always available to help. Proactive approach rather than reactive which makes the application process so much easier for advisers like me. BDM and case managers/ underwriters have been in touch and I love the system where I can simply leave a message for the case manager/ underwriter with any query, comments, updates. 100% success rate with my cases so far.

Harleen Anand

From Starck Uberoi Wealth

Giving credit where credit is due

Helping you make dream homes a reality

Going the extra mile for you is what we’re all about. We believe supporting your customers through the homeownership process should be fast and transparent for everyone. Our broker portal allows brokers to submit a complex case within minutes making the application process more efficient and eliminating the need to re-key data. Ready to place your complex case sitting on your desk?

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Calls may be recorded.

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