Finally, a mortgage lender who’s here for your clients with complex credit
Helping your customers secure a
mortgage shouldn’t be
Our role
More than ever, people are finding themselves in complex financial situations - which is why we make our decisions based on your client’s unique circumstances, not their credit score.
Some banks call them
Not us.
Some lenders consider people with a less than perfect credit score to be “Unlendable”. Not us. Afterall, every life follows a different path. At Bluestone Mortgages, we make decision based on your client’s individual circumstances and do everything in our power to give credit where credit’s due.
Credit problems
Self-employed
Contractor
Buy-to-let
Bluestone Mortgages doesn’t put a monetary limit on CCJ’s & Defaults, and they do not need to be satisfied for your client to get a mortgage approved with us.
At Bluestone Mortgages, we’re doing everything we can to make sure your self-employed clients can still secure their dream home.
Our specialist underwriters can approve mortgage applications for contract workers, even if they’ve had 6-month gaps between contracts.
At Bluestone Mortgages, your client can use non-property income to top-up any shortfall in rental income, making it that little bit easier for your clients to secure their future investment.
Do you get clients in any of the above categories?
Register with us. We look at the whole picture. We also recommend you download our Product Guide.
It will help you understand what loan criteria we’ll accept, and what we’ll ask you to provide with each mortgage application. This means your client’s application can be processed as quickly as possible, and that they’ll have the greatest chance of success.
Keep it simple with our
key product criteria:
- No credit scoring
- IVA, Bankruptcy & DMP’s all accepted
- No monetary limit on CCJ’s & Defaults
- CCJ’s & Defaults do not need to be satisfied
- No monetary limit on debt consolidation
No credit scoring
Up to 3 CCJ's within last
3 years accepted
All telecom CCJ/Defaults ignored if under £300
Up to 4 defaults within last 3 years accepted, 3 CCJ's within last 3 years accepted
All fees are free!
First time landlords accepted
100% affordability based
First time landlords accepted (must have previously purchased a residential property)
No credit scoring
CCJ's/Defaults less than
£300 ignored
Free standard valuation on all HTB products
Mortgage offer valid for 6 months with extensions possible
5% builders’ incentives accepted (not inc. builders deposit) - Reversion rate not available for new business
Help to Buy England, London and Wales available
No credit scoring
IVA/DRO/Bankruptcy allowed
CCJ's/Defaults under £300 ignored even in last 3 months
Up to 4 defaults within last 3 years accepted, 3 CCJ's within last 3 years accepted
Up to 75% LTV
Want to find out more?
Our online application portal
makes your life easier
Intuitive, accurate, decisive and transparent - our online DIP and application portal makes it easy for you to apply for your client’s mortgage with Bluestone.
An affordability calculator makes it easy for you to make a decision in principle (DIP), and the online dashboard provides clear and accurate case information, as well as automatic updates. Plus, all communication is handled through Bluelink, giving you direct access to our underwriters and their feedback.
We're recognised
“Best Adverse Credit Lender”
by Mortgage Lender Benchmark H1 2020
Testimonials
"Bluestone services a growing market segment. Their approach to lending has led to a significant number of mortgage approvals for my clients where they would have not been able to turn elsewhere. They're flexible, sensible, and provide great support to make my job as easy as possible."
Paul Coss
Mortgage Broker
Gindy Mathoon
Mortgage & Protection Advisor
©Bluestone
Bluestone Mortgages Limited is authorised and regulated by the Financial Conduct Authority.
Registered in England and Wales No. 2305213 at 3rd Floor, 22 Chancery Lane, London WC2A 1LS
Bluestone Mortgages Limited is authorised and regulated by the Financial Conduct Authority.
Registered in England and Wales No. 2305213 at 3rd Floor, 22 Chancery Lane, London WC2A 1LS
Some lenders consider people with a less than perfect credit score to be “Unlendable”. Not us. Afterall, every life follows a different path. At Bluestone Mortgages, we make decision based on your client’s individual circumstances and do everything in our power to give credit where credit’s due.
"Bluestone has been here for all my clients with imperfect financial histories -- and these days, it doesn't take much to fall into that category. They look beyond a client's past and if makes business sense, they do everything they can to make it work."
Some banks call them
Not us.