Bluestone

Adverse Credit Consideration: Bluestone specialises in lending to clients with impaired credit histories, such as CCJs, defaults, and missed payments. They can assist clients discharged from bankruptcy (Day 1) and with ongoing IVAs. 

Affordability for Self-Employed: With options for self-employed clients, including those with only one year’s trading accounts or those using retained profit, Bluestone Mortgages is particularly suited for clients with irregular or variable income. 

Debt Consolidation Options: Bluestone allows debt consolidation as part of their remortgage products, helping clients reduce monthly outgoings by combining existing debt into one manageable payment. 

High LTV Products: They offer up to 85% loan-to-value (LTV) mortgages, giving more options to first-time buyers or those with smaller deposits who may struggle with mainstream lenders. 

No Credit Scoring: Unlike many high street lenders, Bluestone doesn’t rely on automated credit scoring, instead using a holistic assessment of the client’s financial circumstances, making it ideal for those with complex credit profiles. 

Fee-Free Remortgage Options: They offer fee-free remortgage products with free valuation and legal services, providing an all-inclusive package that can save clients significant upfront costs.