Bluestone Mortgages

Bluestone Mortgages is a new specialist lender in the UK whose ambition is simple - to help more of your customers get an affordable mortgage.

They can help your customers who can demonstrate affordability, but who are struggling to get past the automated application processes. They help all types of customers including; Self-Employed, Contractors and those who have experienced Credit Problems through a genuine bump in the road.

**Criteria Update**

Bluestone Mortgages now lend in Scotland, all mainland Scotland postcodes accepted! (Help 2 Buy not available in Scotland).

**Sapphire Club**

AToM are delighted to announce we have been added to Bluestone's Sapphire Club, being a member of the sapphire club means we can offer the following exclusives not available when going direct:

  • Bankruptcies discharged only 12 months ago
  • Enhanced IVA criteria (see below)
  • 75% of of benefit income accepted (DLA, Carer's Allowance, Child Benefit, WTC)
  • Priority service from a dedicated underwriter
  • Instruct urgent valuations
Criteria Type Clear AAA AA A BBB
Max LTV 85% 80% 80% 75% 70%
Bankruptcy/DRO 6 years 3 years 2 years Over 1 year N/A
IVA 6 years 3 years 2 years Over 1 year Current
No. of Defaults post IVA 1 (sat) in 36 months 1 in 36 months 2 in 36 months 3 in 36 months 4 in 36 months

Help to Buy now Available through AToM

  • Available on Help to Buy England and London
  • Available to First Time Buyers and Homemovers
  • Free valuation on all Help to Buy products
  • Mortgage offers valid for 6 months (extensions possible)
  • Available up to 75% LTV
  • Loans from £50,000 to £450,000
  • Rates from 4.29%
  • 5% Builders deposits accepted
  • Variable, 2, 3 and 5 year fixed rates available
  • Adverse accepted

Residential Range Highlights Include:

  • Rates from 3.79%
  • 2, 3 and 5 year fixed rates available
  • All CCJ's/Defaults under £300 ignored
  • All telecommunications CCJ's/Defaults ignored
  • Debt Management Plans accepted and can remain post-completion
  • Gifted deposits/equity accepted from immediate family (including step parents/aunties and uncles)
  • Up to 4 applicants
  • Applicants without permanent rights to reside accepted if income is not being used
  • Up to 85% LTV
  • Terms from 5 to 35 years
  • Fees can now be added over the max LTV (85%)
  • No credit scoring
  • IVA/Bankruptcy/DROs accepted if discharged over 3 years ago
  • Pay Day Loans accepted (0 in12 months)

Buy to Let Range Highlights Include:

  • Interest Only now available on Clear and AAA products
  • No additional rate loading on BTL products
  • ICR from 112.5% (earned income can be used for affordability)
  • Up to 80% LTV
  • Rates from 4.04%
  • First Time Landlords accepted
  • First Time Buyers accepted
  • Regulated BTLs accepted
  • DSS and Local Authority tenants accepted
  • No credit scoring
  • Same market leading adverse criteria as the residential range

They promise to treat your customers as individuals and won't ever use credit scoring. They make their decisions based on your customerís unique circumstances instead.

Bluestone can accept mortgage enquiries or applications from Directly Authorised Brokers and Appointed Representatives of Networks - via AToM

For more details on BlueStone, contact our Sales Team on 01403 27 26 25 (option 2) or email us at Sales.Team@atomltd.co.uk.

Bluestone Mortgages

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