Bluestone Finance is a non-bank lender operating in New Zealand, specializing in providing mortgage solutions to borrowers who may not fit the traditional lending criteria of mainstream banks. They cater to a segment of the market often underserved by traditional institutions, filling a crucial gap in the financial landscape. While not a household name like the major banks, Bluestone has established itself as a significant player in the specialist lending space.
Their target audience often includes self-employed individuals, those with impaired credit histories, or those requiring short-term financing. These borrowers may face challenges securing mortgages from banks due to factors such as irregular income, past financial difficulties, or non-standard property types. Bluestone offers a range of mortgage products designed to address these specific needs, providing flexible solutions that may not be available elsewhere.
One of the key differentiators for Bluestone is their personalized approach to lending. Unlike banks that often rely heavily on automated scoring systems, Bluestone takes a more holistic view of each applicant’s financial situation. They consider the individual circumstances and potential of each borrower, taking the time to understand their unique needs and goals. This personalized assessment allows them to offer tailored mortgage solutions that align with the borrower’s specific requirements.
Bluestone’s product offerings typically include options for both residential and commercial properties. They offer various loan types, including fixed-rate, variable-rate, and bridging loans. Bridging loans, in particular, can be valuable for borrowers who need short-term financing to bridge the gap between selling one property and purchasing another. Bluestone also provides options for refinancing existing mortgages, allowing borrowers to consolidate debt or access equity in their homes.
While Bluestone provides valuable access to finance for borrowers who may be excluded from traditional banking, it’s important to acknowledge that their interest rates and fees are generally higher than those offered by mainstream banks. This reflects the higher risk associated with lending to borrowers who may have a less-than-perfect credit history or non-traditional income streams. Borrowers should carefully consider the overall cost of the loan and ensure they can comfortably meet their repayments before committing to a Bluestone mortgage.
The company works closely with mortgage brokers throughout New Zealand, leveraging their expertise to reach a wider range of potential borrowers. Brokers play a crucial role in assessing borrowers’ needs, comparing different loan options, and guiding them through the application process. By partnering with brokers, Bluestone can effectively distribute their products and ensure that borrowers receive appropriate advice and support.
In summary, Bluestone Finance NZ offers a valuable alternative for borrowers who may struggle to obtain mortgages from traditional banks. Their flexible lending criteria, personalized approach, and range of mortgage products cater to a niche market. However, borrowers should be aware of the higher interest rates and fees associated with specialist lending and carefully consider their financial situation before committing to a loan.
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