Sapphire Club Member for Bluestone Exclusive Products for Bankruptcy and IVA
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  Clear AAA AA A BBB
MAX LTV 85% 80% 75% 70%
Bankruptcy/DRO 6 years 3 years 2 years Over 1 year Over 1 year
IVA 6 years 3 years 2 years Over 1 year Current
Free Valuation on all Residential Products via TFC

At Bluestone Mortgages, as a complex credit mortgage lender, they pride themselves on offering Residential & Buy-to-Let mortgage products to underserved customers that mainstream lenders have let down. Bluestone genuinely believes people should not be prevented from achieving their dreams of homeownership due to experiencing financial difficulty.

Key criteria

  • No credit scoring
  • IVA, Bankruptcy & DMP’s all accepted 
  • Over 4.5x LTI ratio
  • No monetary caps on CCJ’s or defaults
  • Mortgage and rent arrears: late payments ignored
  • Criteria based on customers credit profile on date of completion, not application

Key benefits

  • 24 hour turnaround times
  • Dedicated support teams
  • Enhanced lending criteria

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