New products target Australians living abroad with flexible assessments
Bluestone Home Loans has unveiled new mortgage options aimed at supporting Australians living overseas, alongside an increase in its maximum residential loan size for metro properties.
The non-bank lender launched its Expat Home Loans, designed to assist the more than one million Australians working abroad who often face barriers when trying to secure finance back home.
Complex income structures, foreign currencies, and restrictive lending policies have traditionally made access to home loans difficult for expats. Bluestone said the new product would provide “competitive rates, flexible income assessments, and expert support from a team experienced in expat lending needs.”
“Australian expats have long been under-served by the traditional lending system,” chief commercial officer Tony MacRae said. “Our new Expat Home Loan solutions are designed to open doors for expats wanting to invest in their future or reconnect with the property market at home.”
The loans will be offered in Australian dollars, with flexible income assessments for foreign currencies. Borrowers can access refinancing and equity release options, with the ability to borrow up to 80% LVR. The product will support both new purchases and refinancing of existing investment properties.
At the same time, Bluestone has lifted its maximum loan size for Residential Owner Occupier and Investor Loans in metro areas from $3 million to $5 million. The company said the change would provide greater flexibility for customers purchasing or refinancing in higher-value property markets.
Brokers can access full product details and support through Bluestone’s BrokerHub.
Bluestone enters this launch on the back of a strong reputation among mortgage intermediaries. According to a Broker Pulse survey, Bluestone was rated highest among small non-bank lenders, scoring 81.5% – up from 75% in 2024 – for product range, policy, support, and speed.
The non-bank has also bolstered its staffing in recent months, with strategic hires across underwriting and business development, reflecting an appetite for growth in the second half of 2025.
