Bluestone Mortgages
Bluestone Mortgages

Bluestone Mortgages

So many people miss out on homeownership because the complex credit market remains underserved, and banks and other high-street lenders are quick to brand mortgage seekers with poor credit as Unlendable.

But Bluestone Mortgages see real people who deserve to be considered for home ownership based on their unique life circumstances rather than a vanilla financial history.

From contractors with inconsistent income, recent divorcees hoping to start over, first-time buyers looking to purchase a property with low credit, or those going back to work after a life event.

Bluestone Mortgages work with you to help customers who deserve to be considered for home ownership, no matter their credit history!


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Proc Fees

Product Gross Net
Residential 0.6% 0.5%
Product Transfer 0.35% 0.33%
Product Type When does the lender pay PMS? Frequency

Dependant on when confirmation of completion is received as payment is every other week.


Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  


Post Code Restrictions: Lender-InfoBoxWhite

England, Scotland (mainland) and Wales only

Register Lender-InfoBoxWhite

Register to place business with Bluestone Mortgages:

*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.



Bluestone Mortgages is a lender specialising in residential mortgage origination, portfolio servicing and cloud-based technology development in the financial services sector. Acquired by Shawbrook Bank in 2023, Bluestone is a specialist lender dealing with complex cases and customers with adverse credit.

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.

The Bluestone team pride themselves on treating customers as individuals and making decisions based on their circumstances, not their credit score, while also being a dynamic and responsible lender, considering all individual circumstances with a manual, holistic underwriting approach.

Let’s give credit where credit is due.


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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Product Guide : View our main products here

Product Transfer Product Guide: View our product transfer rates here.




Further contact details

Book a call with us here.

Our Website



Team Members

Please click on any of the Key Account Managers for contact details.

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