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Bluestone

Near Prime Home Loan

Advertised Rate

3.49

% p.a

Variable

Comparison Rate*

3.77

% p.a

Maximum LVR
65%
Real Time Rating™

1.95

/ 5
Monthly Repayment

$1,500

based on $300,000 loan amount for 25 years at 3.49%

Advertised Rate

3.49

% p.a

Variable

Comparison Rate*

3.77

% p.a

Maximum LVR
65%
Real Time Rating™

1.95

/ 5
Monthly Repayment

$1,500

based on $300,000 loan amount for 25 years at 3.49%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,500

based on $300,000 loan amount for 25 years at 3.49%

Bluestone home loans are available through brokers who can help find the right loan and manage your application at no charge.

John Fulford

5.0
3 Reviews

Get expert advice from a home loans specialist.

John enjoy’s helping people achieve their goals and has a passion for property. For 2 years now at Newcastle Finance Brokers he has been helping people find the best products and loans to suit his clients. John holds his Cert IV and Diploma in Finance & Mortgage broking.

NSW2292

CRN: 515694

George Popadalis

5.5
10 Reviews

Get expert advice from a home loans specialist.

After years of working in the banking industry, George saw firsthand how customers were continuously being put on hold and not treated with respect. So he decided to take matters into his own hands by starting Fetch Loans! George never thought that one day he would find himself running a company whose sole focus is providing an all-around positive experience for their clients every time they need them. But when George realized just what was happening within the customer service sector’s disregard for its customers’ needs, something inside him shifted—and so did his career path. Now at Fetch Loans!, we’re committed to giving our invaluable clientele a stress free loan application process while treating each individual as if it were only us who mattered most throughout this entire journey together

NSW2216

CRN: 524152

Quick home loan review

For Near Prime Home Loan (LVR < 65%)

These are the benefits of this home loan.

  • 100% full offset account
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • Higher than average interest rate
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • Maximum loan amount is limited to 65% of the property's value
  • No repayment holidays

Home loan overview

For Near Prime Home Loan (LVR < 65%)

TMD

Details

Maximum LVR

65%

Total Repayments

Interest rate type

Variable

Borrowing range

Suitable for

Owner Occupiers

Loan term range

15 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Unlimited extra repayments

Redraw facility

Redraw fee: $0

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

1,110

Application fee

990

Valuation fee

$0

Settlement fee

120

Other upfront fee

0

Ongoing fee

$15 monthly

Discharge fee

250

Application method

Online

Phone

In branch

Target Market Determination

Visit Bluestone to view Target Market Determination.

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FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $100k to $2,500,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 65 percent, which means it requires a minimum deposit of 35 percent

What's the maximum length for this loan?

Bluestone allows you to have this loan for a range of 15 to 30 years.

How often can you make repayments?

Bluestone allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $1,110 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Where can you apply for this loan?

Bluestone makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this Bluestone loan is available through a broker. Find a broker to help you with your needs.