Clean Slate Fully Verified AAA Clean Slate - Fully Verified AAA - LVR <80% (Principal & Interest) (Owner Occupied)

  • 7.64%
    p.a Standard Variable
  • 7.75%
    p.a Comparison**
  • $1,510
    Upfront fees
  • $180
    Annual fees
  • 80%
    Max LVR
  • $2,633
    Per Month*

About Bluestone

We can help you find a solution for your self-employed and SME clients, no matter what stage of business they are at. We understand the self-employed market and know that it's the detail that can make all the difference. Taking the time to understand the needs of your client we will find a solution for them from our range of products.

Standard Variable

Repayments calculated to take into account ongoing monthly and anual fees.

Monthly repayment*
rate per annum

Loan to Value Ratio

Borrow up to the maxium of 80% of the value of the property.

Lenders Mortgage Insurance, or LMI, will be payable on most loans where the borrowings are greater than 80% of the value of the property.

However, you may be able to capitalise LMI into your loan, increasing the overall loan amount by about 2% (in order to cover the cost of the insurance). Contact a loan market broker to find out how LVR and LMI might impact the cost of your loan repayments.

Capitalise LMI


For Line of Credit, Equity, and Owner Occupied in NSW, NT, QLD, SA, WA, VIC, TAS, and ACT.

15 - 30 years


The level of financial documentaion and credit history required to apply for the loan.

Full Doc
Credit History
Non Conforming
Genuine Saving

Redraw Facility

Get quick access to cash by drawing on the loan to pay for renovations or other purchases.

Redraw Facility
Min Redraw
Redraw fee

Banking Features

Given the wide range of loans on offer – with different interest rates, product features and fees – it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.

Some features you may wish to consider include:

  • an offset account;
  • ability to make extra repayments;
  • a redraw facility; and
  • linked credit card and savings accounts;
  • ability to split your loan between fixed and variable interest rates
Offset Account
Redraw Available
Credit Card
Internet Banking
Telephone Banking
BPay Option
Portability of Loan
Professional Pack
Check Account
Direct Salary Credit
Free Transactions
Minimum Redraw
Redraw Fee


You can make your repayments Fortnightly, Monthly, and Weekly.

Interest Only Option
Max Interest Only
0 years

Upfront Fees

Upfront fess associated with estabilishing the loan. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.


Ongoing Fees

Monthly and annual fees and charges during the loan period.

Ongoing Monthly

Exit Fees

Fees associated with prematurely ending the loan.

Early Repayment
Switch To Fixed


For LOC option, add 0.50% for Owner Occupier or 0.90% for Investment to the interest rate. Fixed options available. 2 Years fixed take 0.20% off the variable rate, 3 Years fixed take 0.30% off the variable rate. Bluestone Clean Slate product is designed for PAYG, and self employed borrowers where income is fully supported by evidence of payslips, full financials and tax assessment notices. Product Features Principal and Interest/Interest Only (for 3 or 5 years) No LMI Redraw Further Advances Available Split Loans Available Flexible Payment Options – Weekly, Fortnightly, Monthly Further details can be obtained at Financials: 1 years tax returns or notice of assessment and 6 months business statements and 3 months personal bank statements

LVR Notes

Max LVR for non-metro is 80% and Max loan amount $750K. Max loan amount for Sydney Metro and Melbourne Metro is $1.5M. Max Loan amount for other non-metro areas is $1.25M. Please refer to product guide for more information. No LMI is applicable. Loan fees (except DEF and discharge) can be capitilised into the loan amount as long as the LVR up to 80%. The fees are not considered part of the LVR. Max Loan: Sydney Metro: $1.5M Melbourne Metro: $1.25M Other Metro areas: $1.25M Non-Metro areas: $750K

Fee Notes

Title Insurance as Other Fee- Loans to $750,000 $250 including GST and Stamp Duty. $750,000 – $1M Quote required Capitalisation of Fee’s. The fee’s above can be capitalised for all loans,(excluding discharge fees) with an LVR of = to 85% subject to the Loan plus all fees not exceeding 85%. Legal fees from $400. Please refer to lender. Risk fee is applicable to all LVR. Please refer to Bluestone Product Matrix for risk fee rates.

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided