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OUR PRODUCTS

Something for everyone

Our products are designed to be unique and flexible and are made to suit those clients who do not fit within the mainstream mould.

Product Guide

Unique, flexible, and made for you

At Bluestone, we understand that one size never fits all, especially when it comes to mortgages. It is important to remember that there is help at hand, and this is where the specialist lending market has a crucial part to play. Our aim is to help you help customers by placing more specialist Residential mortgages whilst making this seamless. We’ve spent years working with brokers, learning how you do business and helping you to recommend products that match your customers’ needs.

Our guide to complex credit mortgages

If you're wondering how you can serve a growing market of adverse cases but aren’t sure where to start, download our complex credit toolkit.

Download our toolkit

Home Mover

Time to move home, time to think about a new mortgage. For brokers, complex credit customers can often create headaches when it is time to start over. Our team of expert underwriters work with you to understand the reality of affordability today, so we can help your client secure their dream home.

  • No credit scoring
  • IVA/DRO/Bankruptcy allowed
  • All CCJ/Defaults ignored if under £300
  • Up to 4 defaults within last 3 years accepted, 3 CCJ’s within last 3 years accepted
  • Up to 85% LTV
  • Criteria based on completion (criteria based on customers credit profile on date of completion, not application)
  • For joint borrowers, the product selection is based on the lowest credit tier of any applicant.
Submit application
5 year fixed rates from
6.24%

3 year fixed rates from
6.34%

2 year fixed rates from
6.49%

If you have complex credit customers, call us and find out how we can help
Contact Us

First Time Buyer

The path to first homeownership can be challenging for those with complex credit needs. Our team of experts are passionate about treating customers as individuals and helping everyone get on the property ladder. Whoever your customer is, we’re here to help.

  • No credit scoring
  • IVA/DRO/Bankruptcy allowed
  • All CCJ/Defaults ignored if under £300
  • Up to 4 defaults within last 3 years accepted, 3 CCJ’s within last 3 years accepted
  • Up to 85% LTV
  • Criteria based on completion (criteria based on customers credit profile on date of completion, not application)
  • For joint borrowers, the product selection is based on the lowest credit tier of any applicant.
Submit application
5 year fixed rates from
6.24%

3 year fixed rates from
6.34%

2 year fixed rates from
6.49%

If you have complex credit customers, call us and find out how we can help
Contact Us

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 you to buy a new build home with just a 5% deposit and with no equity loans required, they own 100% of the property.

  • 95% mortgages with no credit scoring 
  • Self-employed accepted with just a 12-month trading history 
  • Maximum of 1 satisfied default in the last 6 months 
  • Maximum of 2 missed payments in the last 6 months on each unsecured credit agreement 
  • CCJ’s & Defaults: Ignored if telecoms or under £300 
  • Previous DMP/DAS acceptable if settled for a minimum of 12 months 
Submit application
5 year fixed rates from
6.89%

2 year fixed rates from
7.14%

Reversion rates from
8.85%

If you have complex credit customers, call us and find out how we can help
Contact Us

Remortgage

When it comes to remortgages, our specialist products and flexible approach take the stress away when customers want to readjust their finances. Whether a customer wants a straight switch or to borrow more for home improvements, we have a product to match their needs, whilst also giving them the option of fee-free products.

  • No credit scoring
  • Up to 3 CCJ’s within last 3 years accepted
  • All CCJ/Defaults ignored if under £300
  • Up to 4 defaults within last 3 years accepted, 3 CCJ’s within last 3 years accepted
  • No valuation fee
  • Free legals offered or up to £500 cashback
  • For joint borrowers, the product selection is based on the lowest credit tier of any applicant.
Submit application
5 year fixed rates from
6.24%

3 year fixed rates from
6.34%

2 year fixed rates from
6.49%

If you have complex credit customers, call us and find out how we can help
Contact Us

Right to Buy

Our new Right to Buy scheme is now available, giving council tenants the opportunity to buy their home at a discounted price.

  • Available on residential 5 year fixed rate range
  • Available in conjunction with all standard criteria
  • Up to 75% LTV
  • Lend 100% of discounted purchase price, up to a max 75% of open market value
  • Criteria based on completion (criteria based on customers credit profile on date of completion, not application)
  • For joint borrowers, the product selection is based on the lowest credit tier of any applicant.
Submit application
5 year fixed rates from
6.24%

Reversion Rates from
8.30%

If you have complex credit customers, call us and find out how we can help
Contact Us

Flexibility is key

Our Customers

Our lending criteria

Search Criteria
Call us

Our lines are open

Mon-Fri 9:00am – 5:30am.
Calls may be recorded.

Your BDMs

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