Call us

Our lines are open

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

Please contact us on 0800 368 1833 for assistance.

Your BDMs

Scotland & North East

02033141150

Yorkshire & North West

02038842958

North

02078988343

Midlands

02070812668

East Anglia

02038842955

London

07960433854

South East

02037431586

Wales & South West

02045749413

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.

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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 & Buy to Let 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.

Experts in Complex Credit

If you have complex credit customers, we can help.

Contact us

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.
5.75%
2 year fixed rates from 5.75%

5.69%
3 year fixed rates from 5.69%

5.15%
Variable rates from 5.15%

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.
5.75%
2 year fixed rates from 5.75%

5.69%
3 year fixed rates from 5.69%

5.15%
Variable rates from 5.15%

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.
5.75%
2 year fixed rates from 5.75%

5.69%
3 year fixed rates from 5.69%

5.15%
Variable rates from 5.15%

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

Help to Buy

We’re always delighted when we help first-time buyers onto the property ladder or enable home movers to choose a new home. Our team of experts know everything there is to know about Help to Buy, so we’re here to help with your customers’ applications.

  • Free standard valuation on all HTB products
  • Mortgage offer valid for 6 months with extensions possible
  • 5% of purchase price accepted for builders incentives (builders deposit not acceptable on HTB)
  • Help to Buy England, London and Wales available
  • 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.
5.59%
5 year fixed rates from 5.59%

5.15%
Reversion rate from 5.15%

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.
5.59%
5 year fixed rates from 5.59%

5.15%
Reversion Rates from 5.15%

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

Buy to Let

Our Buy to Let range of products helps first time landlords, customers looking to remortgage their investment property, and even clients who wish to let their BTL to a family member.

  • Regulated, unregulated, first time landlords and first time buyers accepted.
  • Can consider non-property income to cover ICR shortfall
  • Interest only available on our Clear and AAA range
  • No Credit Scoring
  • CCJ’s/Defaults less than £300 ignored
  • For joint borrowers, the product selection is based on the lowest credit tier of any applicant.
6.75%
2 year fixed rates from 6.75%

6.69%
3 year fixed rates from 6.69%

6.15%
Variable rates from 6.15%

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.

Please contact us on 0800 368 1833 for assistance.

Your BDMs

Scotland & North East

02033141150

Yorkshire & North West

02038842958

North

02078988343

Midlands

02070812668

East Anglia

02038842955

London

07960433854

South East

02037431586

Wales & South West

02045749413

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