Bluestone
- Company typePrivate
- Founded2000
- HeadquartersSydney, Australia
- Headcount101–250
- GTM typeB2B
- OfferingServices
Bluestone firmographics
Firmographics- Name
- Bluestone
- Legal name
- Bluestone Servicing Pty Ltd
- Website
- https://bluestone.com.au
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Bluestone industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Non-QM / Alternative Documentation Mortgage Origination (FSALAAAJ)
- akta.pro secondary industry
- Wholesale Mortgage Lending (Broker Channel) (FSALACAA)
Keywords
Where Bluestone is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices2 records
Markets served
Bluestone business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- Mortgage Interest Income: Bluestone earns interest income on its mortgage loan portfolio. The company originates and services home loans for owner-occupiers, investors, construction, expats, SMSF, and commercial property. Loans are funded through warehouse funding facilities negotiated with major banks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Owner Occupier Principal & Interest - Traditional Income |
| Transaction based/ take rate | Monthly | Owner Occupier Principal & Interest - Flexible Income |
| Transaction based/ take rate | Monthly | Residential Investor Principal & Interest - Traditional Income |
| Transaction based/ take rate | Monthly | Residential Investor Principal & Interest - Flexible Income |
| Transaction based/ take rate | Monthly | Construction Loan Interest Only |
| Transaction based/ take rate | Monthly | Expat Home Loan Principal & Interest |
| Transaction based/ take rate | Monthly | SMSF Residential Loan |
| Transaction based/ take rate | Monthly | SMSF Commercial Property Loan |
| Transaction based/ take rate | Monthly | Commercial Property - Traditional Income |
| Transaction based/ take rate | Monthly | Commercial Property - Flexible Income |
| Other | Pay-as-you-go | Loan Setup Fees |
| Other | Monthly | Ongoing Fees |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Bluestone product offering
Product offeringCore offering
Bluestone is an Australian non-bank mortgage lender that originates and funds residential home loans, including owner-occupier, investment, construction, expat, SMSF, and commercial property mortgages. The company distributes its loan products exclusively through accredited mortgage brokers across Australia rather than via direct-to-consumer channels, focusing on borrowers who fall outside the standard lending criteria of major banks.
Product overview
Bluestone Home Loans is an Australian non-bank mortgage lender offering a diversified portfolio of home loan products designed for borrowers who don't fit traditional bank criteria. The core product suite includes Owner Occupier Home Loans, Residential Investment Home Loans, Construction Loans, Expat Home Loans, SMSF Property Loans, and Commercial Property Loans—all accessible exclusively through accredited mortgage brokers via the Broker Hub platform. Bluestone differentiates through flexible income verification (alt-doc/low-doc options), no LMI requirements up to 90% LVR, and specialized assessment approaches for self-employed, adverse credit, and expat borrowers. Founded in 2000 and owned by Cerberus Capital Management, the company has originated over $3.7 billion in mortgages as of 2024.
Differentiator
Problem solved
Functional benefit
Products and services
- Owner Occupier Home Loan Residential mortgage for individuals purchasing a property to live in, distributed via accredited mortgage brokers.
- Residential Investment Loan Mortgage product designed for borrowers purchasing residential property as an investment, including units and houses.
- Construction Loan Financing solution for borrowers building or substantially renovating a residential property, typically with staged drawdowns during construction.
- Expat Loan Mortgage product tailored for Australian expats or overseas borrowers seeking to finance Australian residential property.
- SMSF Loan Mortgage product structured for trustees of self-managed superannuation funds acquiring residential or investment property through their SMSF.
- Commercial Property Loan Mortgage lending for borrowers purchasing or refinancing commercial property assets.
Quantifiable outcome
- Originated $3.7bn of mortgages in 2024
- +3 more outcomes
Companies that use Bluestone
Customer profileNamed customers5 records
Segments8 records
Ideal customer profiles1 record
Bluestone technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Bluestone partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Astute FinancialcoreAstute Financial is a mortgage broker aggregator/network partner through which Bluestone distributes its home loan products.
- FinsurecoreFinsure is a broker aggregator/network partner through which Bluestone distributes its home loan products.
- Loan Market GroupcoreLoan Market Group is a broker aggregator/network partner through which Bluestone distributes its home loan products.
- MoneyQuestcoreMoneyQuest is a broker aggregator/network partner through which Bluestone distributes its home loan products.
- Viking MortgagescoreViking Mortgages is a broker partner through which Bluestone distributes its home loan products.
- Yellow Brick Road Home LoanscoreYellow Brick Road Home Loans is a broker network partner through which Bluestone distributes its home loan products.
- ReLoveminorBluestone partners with ReLove, a charity supporting women impacted by domestic violence and homelessness. Support includes corporate partnership, volunteer days, and hands-on assistance with furniture organisation and distribution to help people set up safe housing.
- Financial Literacy AustraliaminorBluestone is a foundational sponsor of Financial Literacy Australia, an independent program focused on improving financial understanding through practical, accessible education to help Australians build confidence with money, budgeting, and borrowing.
- One Tree PlantedminorBluestone supports environmental initiatives through partnership with One Tree Planted for reforestation efforts.
Scale indicators7 records
Recent moves16 records
Expansion highlights6 records
Bluestone competitors and assessment
Company assessmentDirect peers
- Pepper Money: Australian non-bank lender focused on residential, asset finance, and specialist mortgage products for non-conforming and self-employed borrowers, distributed primarily through brokers. Closely comparable to Bluestone across product mix, broker-channel distribution, and target segments.
- Resimac: Australian non-bank mortgage originator and servicer with a prime and specialist lending focus, distributing through the broker channel and funding via warehouse and RMBS markets. Highly comparable to Bluestone on origination model, funding strategy, and broker distribution.
- Liberty Financial: Non-bank lender providing residential mortgages, investment loans, and asset finance across prime and non-conforming segments, with broker distribution. Comparable to Bluestone in product breadth, broker-led distribution, and alt-doc/specialty exposure.
- Firstmac: Australian non-bank lender offering residential mortgages, investment loans, and specialty products distributed via brokers with RMBS funding. Directly comparable in business model, funding structure, and broker-led GTM to Bluestone.
- La Trobe Financial: Australian non-bank specialist lender offering residential, investment, and commercial mortgages for self-employed and non-conforming borrowers, with strong broker relationships. Comparable to Bluestone in target borrower profile, product specialisation, and broker distribution.
Emerging players
- Athena Home Loans: Australian digital mortgage lender offering variable and fixed home loans with a technology-led, customer-direct and broker model. Comparable to Bluestone's mortgage origination focus, but differentiated by a primarily direct digital distribution model and product specialisation in prime/refinance.
- SocietyOne: Australian digital lending platform offering personal loans and mortgages, formerly led by Bluestone's current CEO Mark Jones. Overlapping management DNA and Australian specialty lending focus make it a relevant comparable for trajectory benchmarking.
Others
- Mortgage Choice: Australian mortgage broker aggregator and lender (owned by REA Group) that distributes loans from multiple lenders including non-banks. Comparable as a broker distribution intermediary rather than a direct competitor, but useful for benchmarking broker-channel dynamics in Australia.
- Yellow Brick Road Home Loans: Australian mortgage broker network and aggregator that distributes loans from a panel of lenders including Bluestone. A channel partner for Bluestone rather than a direct competitor, included for context on broker-distribution ecosystem comparability.
Broad incumbents
- ING Australia: Major Australian bank with a strong mortgage franchise and growing non-conforming/investor product offering, distributed through brokers. Represents the incumbent competitive set whose appetite and pricing set the upper bound for Bluestone's market opportunity.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Bluestone social profiles
Digital presenceBluestone compliance and trust
Trust signalCompliance1 record
Bluestone financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bluestone leadership team
Management profileNumber of profiles
Profiles2 records
Bluestone subsidiaries and ownership
Company hierarchySubsidiaries2 records
Bluestone funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bluestone M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bluestone
What does Bluestone do?
Bluestone is an Australian non-bank mortgage lender that originates and funds residential home loans, including owner-occupier, investment, construction, expat, SMSF, and commercial property mortgages. The company distributes its loan products exclusively through accredited mortgage brokers across Australia rather than via direct-to-consumer channels, focusing on borrowers who fall outside the standard lending criteria of major banks.
Is Bluestone a public or private company?
Bluestone is a private company. It is classified as private equity controlled and is currently operating.
When was Bluestone founded?
Bluestone was founded in 2000. It employs 101 to 250 people.
Where is Bluestone based?
Bluestone is headquartered in Sydney, Australia, in the Oceania region.
How does Bluestone make money?
One revenue line is on record: mortgage Interest Income.
Who are Bluestone's main competitors?
Direct peers on record are Pepper Money, Resimac, Liberty Financial, Firstmac and La Trobe Financial. Emerging players are Athena Home Loans and SocietyOne. Others are Mortgage Choice and Yellow Brick Road Home Loans. ING Australia is listed as a broad incumbent.
Does Bluestone have an API?
No public API is recorded for Bluestone.
What industry is Bluestone in?
Bluestone's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAJ, Non-QM / Alternative Documentation Mortgage Origination, with a secondary code of FSALACAA, Wholesale Mortgage Lending (Broker Channel). Its NAICS code is 522292 and its SIC code is 6162.