Mortgages

Bluestone Mortgages

Specialist mortgage products for borrowers with complex credit histories. CCJs, defaults, and adverse credit considered with competitive tiered pricing.

Specialist Lender

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.

CCJs

Accepted

Defaults

Considered

Tiered

Pricing

Day 1

Remortgage

Why Doulton

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.

The Process

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.

Get a Quote Free Credit Review

FAQs

Frequently asked questions

Can I get a Bluestone mortgage through Doulton?

Yes. We hold broker agencies with Bluestone where available and can access their intermediary product range. Where Bluestone is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Bluestone via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Bluestone cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Bluestone offer?

Bluestone's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Bluestone can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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