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.

**Sapphire Club**

AToM are delighted to annouce 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
  • Current IVA's (must be cleared on completion)
  • 75% of of benefit income accepted (DLA, Carer's Allowance, Child Benefit, WTC)
  • Priority service from a dedicated underwriter
  • Instruct urgent valuations

Residential Range Highlights Include:

  • Rates from 3.23%
  • 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
  • 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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