Best deals from Bluestone Mortgages
Whether you're an independent advisor, an existing customer or a first-time buyer, compare the best mortgage interest rates from Bluestone Mortgages with our comparison tool below. To see what rate you could be offered, create a free Tembo recommendation.
Access to +20,000 mortgages
Award-winning mortgage advice
Average £82,000 affordability boost
Get a Mortgage In Principle
When you create a Tembo recommendation, you'll get a free, downloadable Mortgage In Principle for each of the schemes you could qualify for.
Already have a mortgage with Bluestone?
Create your own free, personalised recommendation to see the best way for you to remortgage, including if you should stay with Bluestone Mortgages or change to another provider.
What type of mortgages does Bluestone Mortgages offer?
Bluestone Mortgages offers a small range of mortgages for borrowers who may need something different from what is offered by the main high street banks. This includes adverse credit mortgages, self-employed mortgages or first-time buyers with no credit history at all. They also accept new build schemes like Builder's Deposit and Deposit Unlock and Right to Buy. However, they don't offer as many specialist options for first-time buyers as other lenders, or guarantor options.
Please note, Bluestone Mortgages is an intermediary mortgage lender, so you have to go through a broker like us to apply to their products. As with any provider, whether Bluestone Mortgages is the best provider for you depends on your affordability and unique circumstances, what mortgage products you're eligible for, and what the market is currently like. Our award-winning team here at Tembo can help you navigate these factors to ensure you get the best mortgage deal for you.
Looking to help a customer? Refer your case to Tembo today
How much could I borrow from Bluestone Mortgages?
Like most mortgage lenders, Bluestone Mortgages offers a range of mortgage products with different eligibility criteria. How much you could borrow for a mortgage depends on which products you're eligible for, your income and deposit, and other factors like your credit score, employment type, and outgoings. But typically you can borrow between 4-4.5 times your income.
By creating a free Tembo recommendation, you can see what you could be offered for a mortgage by Bluestone Mortgages and other providers without applying.
Can I make overpayments on a mortgage with Bluestone Mortgages?
Yes, you can make overpayments if you have a mortgage with Bluestone Mortgages, typically up to 10% of the outstanding loan each year but restrictions are likely to apply. Paying anything above the allotted amount could see you being hit by an Early Repayment Charge (ERC).
Bluestone Mortgages have made a name for themselves by providing options for those with complex situations, such as those with credit issues. However, they don't offer a huge range of first-time buyer mortgages such as guarantor schemes, so they might not be the right fit for some borrowers.
Andy Shead
Senior Mortgage Advisor at Tembo
Are Bluestone Mortgages a good lender?
Bluestone Mortgages are known for providing mortgage solutions for borrowers with affordability hurdles - particularly those with complex credit history or who may have been rejected in the past from traditional high street banks.
They've been recognised for their specialism over the years, including being shortlisted for Specialist Lender of the Year at the 2024 The Mortgage Awards and Best Adverse Credit Lender back in 2020 by the Mortgage Lender Benchmark. Bluestone has also got a high 4.8 out of 5 star rating on Trustpilot from over 1,000 reviews.
However, Bluestone does not offer the same range of first-time buyer mortgages offered by other lenders, such as guarantor mortgages. For this reason, they may not be the right fit for borrowers looking for family-assisted options. Plus, as an intermediary-only lender you can't deal with them directly. Instead, you have to use a mortgage broker, like us.
Does Bluestone offer guarantor mortgages?
No, Bluestone Mortgages does not offer guarantor mortgages, although they do accept gifted deposits. So your family member could give you a non-refundable cash gift to help boost your deposit size, or use a Deposit Boost to unlock money from their home.
It can be difficult to know which lenders offer guarantor mortgages and which one is best for you and your family, as this depends on your unique affordability and what schemes you're eligible for. Working with a mortgage broker like Tembo who specialises in family-assisted mortgages can help you navigate lenders' different eligibility criteria and find the best deal for you from across the market.
Looking for a new mortgage?
First home
Unsure which mortgage deal to go for? Buying your first home can be confusing and overwhelming. Get help from the experts.
Remortgage
Coming to the end of your current deal? Remortgage onto a new one with our help. We'll show you whether you should stay with the same lender, or switch.
Moving home
Upsizing to your forever home? Or maybe you're downsizing to something more manageable. Whatever your reason for moving, we can help you find the best deal for you.
Buy to Let
Thinking of becoming a landlord? We can help you discover the best buy to let mortgage deal for you and how you could boost your mortgage affordability.
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Whether it's first-time buyers, home movers or remortgagers - our expert team has been trusted by thousands to make home happen.
The application process
4 simple steps to buying your first home or remortgaging
Make a Tembo plan
Check your eligibility for a range of mortgages and buying schemes, and get a personalised recommendation with interest rates and repayments in under 10-minutes.
Talk to an expert
Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about any of the mortgage deals and budget-boosting schemes we advise on.
Apply for your new deal
Next, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!
Make home happen
Your Tembo advisor will be on hand to ensure everything runs smoothly, so you can move onto your new deal as quickly as possible.
