Bluestone Mortgages

ProductGross Fee paid by lenderNet fee paid to regulated brokerNet Fee paid to non-regulated & client referral service
Buy to Let0.90% + £1800.50%0.25%
Residential & Adverse0.90% + £1800.50%0.25%

Bluestone Mortgages is a new specialist lender in the UK whose ambition is simple – to help more of your customers get an affordable mortgage.

Their mortgages are designed to help customers who can demonstrate affordability, but are struggling to get past automated application processes. They help all types of customers including Self EmployedContractors and those that have experienced credit problems through a genuine bump in the road.

Residential Highlights:

  • Up to 4 defaults and 3 CCJ’s – within the last 3 years (none in last 6 months)
  • CCJ’s/Defaults under £250 ignored, even in last 3 months
  • Up to 4 missed mortgage payments in months 13-24
  • Debt management plans accepted and can remain
  • IVA/DRO/Bankrupcy now back in stock
  • Gifted deposits
  • Up to 4 applicants
  • Up to 85% LTV
  • Loans up to £1m
  • No credit scoring

Buy to Let Highlights:

  • 100% affordability based
  • Up to 80% LTV
  • First time landlords accepted
  • First time buyers accepted
  • No credit scoring
  • VA/DRO/Bankrupcy now back in stock
  • Repayment only
  • Same market leading adverse criteria as residential range

They promise to treat your customers as individuals and won’t ever use credit scoring. They make their decisions based on your customer’s unique circumstances instead.

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