Get Expert Support for Bluestone Mortgages
Specialist Support for Bluestone Mortgages
Bluestone Mortgages is a specialist UK lender designed for people who don’t fit traditional banking criteria. They’re known for helping borrowers with credit blips, complex income, and non-standard financial backgrounds. Bluestone uses flexible lending and real, case-by-case underwriting to support customers who may have been declined by high-street banks. At Mortgage-Tek, we help you access the right Bluestone mortgage with expert guidance from start to finish.
We work with more than 120 mortgage lenders, including
Why
Why Bluestone Mortgage Is a Great Option
Why Bluestone Mortgage Could Be the Right Fit for You
Bluestone Mortgages is ideal for borrowers who fall outside mainstream lending rules. If you have adverse credit, unconventional income, or you’re rebuilding your financial situation, Bluestone takes a personalised approach by manually reviewing applications, not relying solely on automated credit scoring.
They support borrowers with defaults, CCJs, missed payments, and historic financial issues, provided there’s a clear picture of where you stand today. Bluestone also welcomes self-employed individuals, contractors, and people with new or changing income.
As a specialist lender, Bluestone mortgages are only available through authorised brokers like Mortgage-Tek. We help you find the most suitable product, prepare your documents, and present your case clearly to maximise approval chances.
Criteria of Bluestone Mortgage
Who Can Apply for a Bluestone Mortgage?
Broker Requirement
Bluestone is an intermediary-only lender. Applications must be submitted through a registered mortgage broker such as Mortgage-Tek.
Age Criteria
 Minimum applicant age is 18. Maximum age at end of term usually ranges from 65–75, depending on the product.
Residency Status
Applicants must be UK residents. Non-UK nationals may be accepted with valid visas and proof of UK address history.
Income Requirements
No set minimum income, but you must demonstrate sustainable, provable earnings that meet Bluestone’s affordability assessment.
Self-Employment Criteria
Self-employed applicants can apply with at least 12 months of trading history, supported by SA302s, tax calculations, or accounts.
Contractor Criteria
Contractors can apply using a valid contract and evidence of ongoing or previous contract history. Day-rate calculations may be used.
Adverse Credit
Bluestone specialises in adverse credit and may accept:
• CCJs
• Defaults
• Late or missed payments
• Debt management plans
• Bankruptcy or IVA (if discharged and within policy)
Property Types
Standard properties are accepted. Some non-standard or high-risk constructions may require additional review.
Affordability Checks
You must meet Bluestone’s affordability and stress tests, which assess whether you can maintain payments under higher interest scenarios.
Buy-to-Let Requirements
Bluestone does accept buy-to-let applications, including for landlords with historic credit issues. Rental income must meet their required ICR thresholds.
Benefits of Securing Bluestone Mortgage
Why Choose a Mortgage from Bluestone Mortgage?
Bluestone Mortgages delivers genuine flexibility and support for borrowers who don’t meet mainstream criteria.
Flexible Credit Policy
They consider applicants with adverse credit, including recent issues that high-street lenders usually decline.
Manual Underwriting
Every application is assessed by a person, giving you a fair chance even with complex circumstances.
Support for Non-Traditional Income
Ideal for self-employed, freelancers, contractors, gig-economy workers, and people with variable income.
Range of Products
Options include residential mortgages, buy-to-let, remortgages, and specialist products for credit-challenged borrowers.
Realistic Affordability
Bluestone uses practical affordability checks to create mortgage solutions for borrowers with unique financial profiles.
Trusted Specialist Lender
Bluestone has built a strong reputation for helping customers who feel excluded from traditional lending.
Partnering with Bluestone Mortgage
Our Role in Securing Your Bluestone Mortgage
At Mortgage-Tek, we work closely with Bluestone Mortgages to help clients who need specialist support. We understand their credit policy, affordability rules, and income assessments, allowing us to position your application in the strongest possible way.
From the first conversation to the mortgage offer, we manage everything, comparing products, completing paperwork, handling lender communication, and keeping your case moving. With our guidance, you’ll save time, reduce stress, and increase your chances of securing the Bluestone mortgage that fits your needs.
Compare & Find the Right Mortgage For You
Compare Bluestone Mortgage with Other UK Mortgage Options
Mortgage Comparison
Compare Bluestone with other top UK lenders to see how their specialist approach and flexible criteria differ from mainstream banks. If you’ve struggled with credit or income issues, we’ll help you identify the best route forward.
Mortgage Quote
Get a personalised quote from Bluestone Mortgages through Mortgage-Tek. We’ll assess your income, credit profile, and goals to show you what Bluestone could offer, clearly, quickly, and without pressure.
BORROW
Curious About How Much You Can Borrow?
Not sure how much you could borrow with Bluestone Mortgages? Use our calculator for a quick estimate based on your income and financial situation. It’s a simple first step before speaking with one of our advisers, no credit checks, just instant clarity.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about Bluestone Mortgages?
If high-street lenders have said no, don’t worry, Bluestone might still say yes. We’ll guide you through the full process and help you secure a Bluestone mortgage that matches your real-life circumstances.
Clear, fast, and personalised advice to bring you one step closer to homeownership.
FAQ’s
Can I apply directly with Bluestone Mortgages?
No. Bluestone is an intermediary-only lender, so you must apply through an authorised broker like Mortgage-Tek.
Â
Does Bluestone accept applicants with bad credit?
Yes. Bluestone specialises in adverse credit and may accept CCJs, defaults, missed payments, and discharged IVAs or bankruptcies.
Â
What is the minimum deposit for Bluestone mortgages?
Residential deposits usually start from 5–10%, depending on your credit profile. Higher deposits may be needed for recent adverse credit.
Â
Does Bluestone accept self-employed or contractor income?
 Yes. Bluestone accepts self-employed applicants with at least 12 months’ trading history and contractors with provable income and contract evidence.
How long does Bluestone take to issue a mortgage offer?
Most Bluestone offers take 10–20 working days, depending on case complexity and valuation.
Â
What credit score do I need for Bluestone?
Bluestone does not rely on strict credit scoring. They manually assess your situation, focusing on your current financial position rather than just historic issues.
Â