For those clients who need a little more flexibility

So many potential borrowers miss out on homeownership because the complex credit market remains underserved. But at Bluestone Mortgages, we see real people who deserve to be considered based on their unique life circumstances rather than being judged against a vanilla financial history. From recent divorcees hoping to start over, first-time buyers looking to purchase a property with a low credit rating, or those who recently returned to work after a life event. Our specialist residential product range could be the answer!

5% more reasons to say “Yes”

As part of our ongoing commitment to brokers, we’ve made some positive changes to our credit tiers to provide greater flexibility and support this growing cohort of underserved customers in achieving their homeownership goals. We’ve increased our Loan-to-Value (LTV) by 5% across our Clear, AAA, AA, and A product tiers on our residential mortgage range. This follows on from our recent 5% LTV uplift across our BBB product range.

This latest enhancement means more aspiring homeowners with complex credit now have a greater chance of securing the mortgage they need. By increasing LTVs on our residential mortgage products, we’re making it easier for brokers to place cases that do not meet the criteria of traditional mainstream lenders, ensuring more real people get real opportunities to step onto or move up the property ladder. It also means that those with lighter deposits can now access more funding, opening more possibilities for homeownership.

This is a snapshot of the 5% increase in LTV across our Clear, AAA, AA, and A product tiers on our residential mortgage range.

Now offering up to 90% LTV

Designed for simplicity, our products are tiers based on your client’s most recently registered adverse credit, such as CCJs, defaults, and missed secured payments. Our most popular ‘Clear’ product is now up to 90% LTV and can generally help your clients if they have:

• No credit scoring 
• Maximum of 1 Satisfied default within last 3 years allowed 
• CCJs & Defaults ignored if under £300 or registered over 3 years ago  

To learn more about our specialist product criteria, view our latest product guide here.

Going the extra mile (so you don’t have to!)

This latest update is just one of the many ways we’re here to support you and your clients in navigating the complexities of homeownership with confidence. If you have a tricky case on your desk, we’re ready to assist. Whether it’s your first time handling a complex credit case or something you encounter frequently, our team of BDMs is here to help. Together, we’ll find the right solution to help your client secure the mortgage they need. If you have any questions on this topic, speak to our sales team who would be more than happy to guide you in the right direction.

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Editor’s note: This post was originally published in February 2025