Key Features
Adverse Credit
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Criteria is based on completion, not application
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Lend up to 90% LTV with a max loan of £1m
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Day 1 contracts accepted
Overview
Post Code Restrictions: 
England, Scotland (mainland) and Wales only
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*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.
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Bluestone Mortgages, part of the Shawbrook Group, specialising in residential mortgage origination, portfolio servicing and cloud-based technology development in the financial services sector. Working with an extensive network of brokers, Bluestone Mortgages focuses on supporting customers who don’t fit the traditional profile of high street banks.
Whether that’s defaults, CCJs, an unsteady income stream from being self-employed, or simply wanting to get on the property ladder, Bluestone is a specialist mortgage lender that deals with adverse credit and complex cases.
And their service is one to beat – Bluestone promises to treat customers as individuals and make decisions based on their circumstances, not their credit score. Every case is underwritten with a manual, holistic approach.
Bluestone is committed to being a dynamic and responsible lender, and their team considers all individual circumstances.
Bluestone makes complex lending easy, giving credit where credit is due.
Let’s give credit where credit is due.
Products
Residential (Fees & Fees-Free)
- Time to move home, time to think about a new mortgage. For brokers, complex adverse customers can often create headaches when it is time to start over. Our team of expert underwriters work with you to understand the reality of affordability today, so we can help your client secure their dream home.
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Remortgage (Fees & Fees- Free)
- When it comes to remortgages, our specialist products and flexible approach take the stress away when customers want to readjust their finances. Whether a customer wants a straight switch or to borrow more for home improvements, we have a product to match their needs, whilst also giving them the option of fee-free products.
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Right to Buy (Fees & Fees-Free)
- Available on residential 5 year fixed rate range, our Right to Buy scheme gives council tenants the opportunity to buy their home at a discounted price, available in conjunction with all standard criteria. We can lend 100% of discounted purchase price, up to a max 75% of open market value.
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Product Transfer (Fees & Fees-Free)
- Client's fixed-rate coming to an end, or they're already on our Standard Variable Rate? If they are already a Bluestone customer, product transfer ensures a smooth & easy transition to an alternative rate for your client. Available on our broker portal, you can complete the application journey within minutes & benefit from our fast-processing speed
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Deposit Unlock (Fees & Fees-Free)
- Saving for a deposit prevents many customers from taking the step to buying their first home. Deposit Unlock is a scheme that enables clients to buy a new build home with just a 5% deposit and with no equity loans required, they own 100% of the property.
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Guides
Product Guide : View our main products here
Product Transfer Product Guide: View our product transfer rates here.