Bluestone Mortgages
Specialist mortgage products for borrowers with complex credit histories. CCJs, defaults, and adverse credit considered with competitive tiered pricing.
Mortgages for real credit histories
Life does not always go to plan, and credit histories can suffer as a result. Bluestone Mortgages exists specifically to help borrowers whose past financial difficulties would prevent them from getting a mortgage with mainstream lenders.
Whether you have had CCJs, defaults, missed payments, or more serious credit events, Bluestone takes a pragmatic view. Through Doulton, we ensure your application is presented in the best possible light and matched to the right product tier for your circumstances.
Expert guidance for adverse credit
Adverse Credit Specialists
Bluestone was built specifically for borrowers with imperfect credit. They consider CCJs, defaults, missed payments, debt management plans, and even discharged bankruptcies.
Tiered Rate Structure
Bluestone uses a tiered pricing model based on the severity and recency of credit issues, meaning borrowers with minor or older problems pay less than those with recent, significant events.
Self-Employed Solutions
Complex credit combined with self-employment is a challenge most lenders avoid. Bluestone considers both factors together, using flexible income assessment alongside their credit expertise.
Day One Remortgage
Bluestone can remortgage properties from day one of ownership, which is particularly useful for borrowers who have purchased at auction or need to refinance existing short-term finance.
Residential and Buy-to-Let
Bluestone's adverse credit expertise extends to both residential and buy-to-let lending, giving landlords with credit issues access to mortgage finance for their rental properties.
Improving Credit Journey
Bluestone recognises that credit issues can be temporary. Their products are designed as a stepping stone, with the expectation that borrowers will refinance to mainstream rates as their credit improves.
How it works
Credit Assessment
We review your credit history in detail to understand the nature, severity, and timing of any adverse events, then match you to the right Bluestone tier.
Product Selection
We identify the most suitable Bluestone product and confirm the rate you will be offered based on their tiered pricing structure for your specific credit profile.
Application Packaging
We prepare your application with a clear explanation of your credit circumstances, helping Bluestone's underwriters understand the context behind any adverse entries.
Offer and Completion
We manage your application through to offer and coordinate completion, keeping you informed at every stage of the process.
Get a Bluestone mortgage quote
Do not let past credit issues stop you from getting a mortgage. Our specialist team will assess your options with Bluestone and find the best solution.