---
title: "Residential Home Loan — Bluestone Home Loans"
description: "Home Loans from Bluestone Home Loans. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bluestone-home-loans/products/Bluestone%20Residential%20Home%20Loan
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-30T05:30:02.023664Z
---

# Residential Home Loan — Bluestone Home Loans

> Home Loans from Bluestone Home Loans. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Bluestone Home Loans **

Residential Home Loan

## At a glance

- **From (owner occupied):** 6.84% (7.05% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types. · This rate is for traditional  income assessment. ) | 6.84% | 7.05% | — |
| Variable (The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types. · This rate is for flexible income assessment. ) | 7.04% | 7.25% | — |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types. · This rate is for traditional  income assessment. ) | 7.14% | 7.35% | — |
| Variable (The rate shown is the minimum interest rate available. The interest rate which applies will be determined by the lender using a number of factors, including the loan amount and purpose, LVR, borrower and repayment types. · This rate is for flexible income assessment. ) | 7.34% | 7.55% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly account keeping fee  — Charged monthly | Ongoing | $15.00 |
| Loan settlement fee | Upfront | $120.00 |
| Legal fee | Upfront | From $400.00 |
| Establishment fee | Upfront | $590.00 – $990.00 |
| Title protection fee | Upfront | $0.00 – $350.00 |
| Risk fee — The rate shown calculates the minimum risk fee applicable, which cannot exceed 3.00% of the principal loan amount (excluding other fees and charges). The applicability and amount of the risk fee is determined by the lender using credit assessment criteria, including LVR and can be paid upfront or added into the loan | Upfront | 0% of balance |
| Valuation fee — Covered up to $400 | Upfront | From $0.00 |
| Loan variation fee — These are fees for varying the terms of the loan agreement such as increasing the loan amount, extending the term and amending the security. | Variation | From $250.00 |
| Loan discharge fee | Exit | $500.00 |

## Features

- **Offset account** (100% offset facility. No additional fees.  One offset facility per variable loan split.

)
- **Redraw facility** (Redraw facility allows you to access extra repayments made.
)
- **Available for both owner-occupier and investment purpose 
**
- **Extra repayments**
- **Interest Only available up to 5 years.
**
- **We accept both traditional and alternative documentation for income verification**

## Eligibility

- **Minimum age** — 18 years

## Constraints

- **Maximum LVR** — 90% (The maximum LVR, inclusive of any capitalised fees, is determined based on property location, the requested loan amount, and other relevant credit assessment criteria.)
- **Maximum limit** — $5,000,000.00 ( Subject to LVR,  location and other credit assessment criteria )
- **Minimum limit** — $100,000.00
- **Maximum loan term 40 years
**

## More information from Bluestone Home Loans

- [Fees & pricing](https://bluestone.com.au/our-rates/)

## Data provenance

- Published by Bluestone Home Loans under the Consumer Data Right
- Product ID: `Bluestone Residential Home Loan`
- Last updated by the provider: 30 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bluestone-home-loans/Bluestone%20Residential%20Home%20Loan
- Provider page: https://www.cdrcompare.au/brands/bluestone-home-loans

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bluestone-home-loans/products/Bluestone%20Residential%20Home%20Loan) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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