Bluestone Mortgages

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Who are we

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.

Learn more: Brokers homepage - Bluestone Mortgages

What we do

Offering a comprehensive range of products, including residential mortgages, product transfers, and a new, innovative deposit unlock scheme, Bluestone cater to diverse client needs across various scenarios…

For those facing life events resulting in unsecured debt and credit issues like CCJs, defaults, and debt management plans, Bluestone understand the importance of not letting these obstacles hinder homeownership dreams. They help clients find mortgage solutions tailored to their unique circumstances.

Their commitment extends to the self-employed and contractors, acknowledging the challenges they encounter, even first-time buyers with low credit scores, CCJs, or defaults, find support in Bluestone’s understanding approach. Unlike traditional lenders, Bluestone don't rely on employment status for decisions recognise that life's unexpected twists shouldn't be barriers to homeownership.

For those considering remortgaging, their specialist products and flexible approach eases processes, offering solutions for straightforward switches, additional funds for home improvements, and fee-free options.

In the realm of council house mortgages, they prioritise real customer needs over outdated rules and automation. Believing in the importance of demonstrating affordability, they have proven track records of assisting borrowers in purchasing council properties through the Right to Buy scheme.

Fee received from lender
(Gross fee)
We'll pay you
(Net fee)
All products0.60%0.50%
All products (packaged)0.90% + £1800.50%
Product Transfers0.35%0.60%