Bluestone Home LoansResidential Home Loan
Residential Home Loan
Also sold at the same rates and fees as Connective Elevate and Mortgage Choice Amplify.
At a glance
- Variable (owner occ. P&I)
- 7.09%7.31% comparison
- Variable (investor P&I)
- 7.39%
- Max LVR
- 90%
- Annual fee
- $180
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 7.09% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 93rd lowest of 102 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 7.39% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 91st lowest of 102, level with one other |
Rates
Every rate Bluestone Home Loans publishes for this home loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower… | Investment, P&I | - | - | 7.39% | 7.61% | This rate is for traditional income assessment. |
| VariableThe rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower… | Investment, P&I | - | - | 7.59% | 7.81% | This rate is for flexible income assessment. |
| VariableThe rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower… | Owner occupied, P&I | - | - | 7.09% | 7.31% | This rate is for traditional income assessment. |
| VariableThe rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower… | Owner occupied, P&I | - | - | 7.29% | 7.51% | This rate is for flexible income assessment. |
Fees
9 fees published, grouped by when they're charged.
- When you take it outUp to $1996 fees, each listed below
- While you hold it$15 a monthMonthly account keeping fee
- When you close it or pay it off$500Loan discharge fee
When you take it out6
- Company or Trust Assessment fee
Fee charged for loans that have either a Company or Trust as the borrower
$0 to $300 - Establishment fee$599 to $999
- Legal feeFrom $400
- Loan settlement fee$199
- Risk fee
The rate shown calculates the minimum risk fee applicable, which cannot exceed 3.00% of the principal loan amount (excluding other fees and charges). The applicability and amount of the risk fee is d…
0.00% of balance - Valuation fee
Covered up to $400
From $0
While you hold it1
- Monthly account keeping fee$15 a month
When particular things happen1
- Loan variation fee
These are fees for varying the terms of the loan agreement such as increasing the loan amount, extending the term and amending the security.
From $250
When you close it or pay it off1
- Loan discharge fee$500
Features
- Available for both owner-occupier and investment purpose
- Interest Only available up to 5 years.
- We accept both traditional and alternative documentation for income verification
Eligibility and limits
- Minimum age 18
- Residency: Australian or New Zealand citizens or permanent residents living in Australia
- Amount $100,000 to $5,000,000
- Maximum LVR 90%
- All applications are subject to credit assessment and eligibility criteria
- Maximum loan term 40 years
Compare it with others
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Published by Bluestone Home Loans under the Consumer Data Right, last changed by them on 7 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.