Bluestone Mortgages is a specialist lender designed for people who don’t tick traditional boxes. Whether you’re self-employed, recovering from credit issues, working non-standard hours, or recently self-employed, Bluestone looks beyond the surface to assess your real affordability.
At Mortgage Knight, we turn to Bluestone when a client’s circumstances are too complex or too recent for the high street. If you’ve been told “no” elsewhere, Bluestone could say yes.
Bluestone helps us say yes when the high street says no. We work closely with their underwriting team to explain complex cases, present real-world income clearly, and help our clients find a mortgage they didn’t think they could get.
If you’re self-employed, have had a credit blip, or need a lender who will assess your full picture — Bluestone is a fantastic option.
If you’ve been turned away by banks or you’ve only recently gone self-employed, don’t give up. Bluestone Mortgages could offer a lifeline, with flexible lending that’s built for real life.
Get in touch with Mortgage Knight today and let’s see what Bluestone could offer you.
A: Yes. Bluestone is one of the UK’s most credit-tolerant lenders. They’ll consider missed payments, defaults, CCJs, IVAs, and DMPs — even if those happened in the past 12–36 months. The severity, frequency, and age of the credit issue are all reviewed manually.
A: You only need one full year of trading. Bluestone accepts SA302s, tax year overviews, or an accountant’s certificate to prove income. Ideal for newly self-employed clients and sole traders.
A: No. They use manual underwriting, which means a real person reviews your full financial picture — not just a score. This is a big advantage for clients with complex income or historic issues.
A: Yes. Bluestone will consider zero-hour contracts, NHS bank staff, agency roles, and even umbrella companies. You’ll need to show a consistent income pattern over 3–12 months.
A: Yes. You can remortgage to raise funds for home improvements, debt consolidation, or other purposes — even with adverse credit or non-standard income.
A: They can be slightly higher due to the specialist nature of their lending — but many clients are happy to pay a small premium to secure the mortgage they need, especially when high street banks have said no.
A: Deposit requirements typically start at 15% for clients with adverse credit. If your credit is clean or minor, 10% deposit options may be available. Each case is reviewed individually.
