Why Bluestone

We want to help more people own their own home. We’ve designed a specialised range of mortgages for people that don’t fit the traditional profile that high street banks want. We always treat customers as individuals and make decisions based on their circumstances and not their credit score.

Customers we help

Our customers come in all shapes and sizes so we know from experience that 'one size doesn't fit all'.  We take our time to understand our customer's situation and make our decisions based on what we know, rather than your credit score.

Self Employed?

Self Employed?

Contractor?

Contractor?

Complex income?

Complex income?

Failed a credit score?

Failed a credit score?

Our Products

Specialised range of mortgages, designed with our customers in mind.  
Our Home mover mortgage is great for customers who need a more personal approach when it comes to buying a new home.  We also offer tailored remortgage products, perfect for customers who want to refinance their existing mortgage.  

Our mortgages are only available through selected qualified mortgage advisers. Find out more about the advisers we work with.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
  • Frequently Asked Questions

  • What is the Bluestone variable rate (BVR)?

    The BVR is our standard variable rate. The variable rate is reviewed monthly. The rate does not have a direct link to the Bank of England Base Rate (BBR), which is also reviewed monthly. Typically the BVR will move in line with BBR changes, but could also go up or down at any other point in time, as this is a variable rate set by Bluestone. Currently our BVR is 1.50%. The BVR rate is only relevant to new lending products from October 2015.
  • How much deposit will I need?

    It will depend on your individual circumstances but we ask for a minimum of 15% of the purchase price of the property.
  • How do I apply?

    Our mortgages are only available through our personally selected qualified mortgage advisers.  

    You can find out more about the advisers we work with using our handy tool.
  • My mortgage has been transferred to you, what does this mean?

    This means that you are now one of our customers and we’ll be responsible for all aspects of your mortgage, such as collecting your monthly payments, setting interest rates and charges and helping you with any queries. Find out more information about this change in our Frequently Asked Questions.
More FAQ'S