Residential Mortgage Rates
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | 5.09% | 5.49% | 5.99% |
| 5-Year Fixed | 4.99%Best | 5.39% | 5.89% |
| 2-Year Tracker | 6.49% | –% | –% |
| Standard Variable Rate (SVR) | 8.99% |
Buy-to-Let Mortgage Rates
| Product | 60% LTV | 75% LTV |
|---|---|---|
| 2-Year Fixed BTL | 5.39% | 5.79% |
| 5-Year Fixed BTL | 5.29%Best | 5.69% |
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 4.94% | Cashback available |
| 5-Year Fixed Product Transfer | 4.89% | Cashback available |
About Bluestone Mortgages
Bluestone Mortgages is a specialist adverse credit lender, designed specifically for borrowers who have experienced financial difficulty including missed payments, defaults, CCJs, debt management plans or discharge from bankruptcy. Their credit matrix is more flexible than mainstream lenders, with eligibility depending on the type, severity and age of the adverse credit event rather than a blanket decline.
Bluestone serves a genuine gap in the market for borrowers rebuilding after financial difficulty. Their rates are higher than mainstream lenders to reflect the additional credit risk, but they provide a structured pathway back to standard lending for clients who maintain good repayment history through their term. Bluestone is available exclusively through brokers, and DBF can assess whether their criteria match your circumstances and whether better options exist elsewhere.