Bluestone Finance Reviews

Bluestone Finance, with 50 years' experience, combines advanced technology and human expertise, providing credit portfolio services and supporting financial brands and government agencies.

Here are the Trustpilot Reviews from Bluestone Finance:

Here are the Reviews from Bluestone Finance:

Very easy online form, great help!

Sophie R.

Fast approval, friendly staff, thank you.

James P.

Helped me consolidate my debts.

Megan T.

Professional service, clear process.

Luke N.

Payments explained and manageable.

Alicia H.

Bluestone provided much needed support.

Richard D.

Explore Bluestone Finance's Finance Solutions:

Residential & Commercial Bridging Loan

£30,000 – £5,000,000

Refurbishment Finance (Light & Heavy)

£30,000 – £2,000,000

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Explore Bluestone Finance's Finance Solutions:

Loan Type:

Residential & Commercial Bridging Loan

Loan Range:

£30,000 – £5,000,000

Loan Terms:

1 – 24 months

Minimum Turnover and Trading Age:

No minimum; property security required

Interest Rate / Factor Rate:

0.49% – 1.20% per month (representative 10.5% APR)

Fees:

2% arrangement fee, 1% exit fee (waived if refinanced with Bluestone), legal & valuation fees, no early redemption penalty (interest charged to date)

Loan Type:

Refurbishment Finance (Light & Heavy)

Loan Range:

£30,000 – £2,000,000

Loan Terms:

3 – 18 months

Minimum Turnover and Trading Age:

Experienced landlords or developers with at least one prior project

Interest Rate / Factor Rate:

0.55% – 1.10% per month

Fees:

2% arrangement, 1% exit, monitoring surveyor fees for heavy works, standard legal & valuation costs

Loan Type:

Ground-Up Development Finance

Loan Range:

£100,000 – £10,000,000

Loan Terms:

6 – 24 months

Minimum Turnover and Trading Age:

Developer must evidence 2 successfully completed projects in past 5 years

Interest Rate / Factor Rate:

6.50% – 9.95% p.a. (charged on drawn balance)

Fees:

2% arrangement, 1% exit, monthly monitoring surveyor fees, legal & valuation fees

Loan Type:

Development Exit Loan

Loan Range:

£100,000 – £5,000,000

Loan Terms:

3 – 18 months

Minimum Turnover and Trading Age:

Completed or near-completed schemes seeking sale/refinance

Interest Rate / Factor Rate:

0.55% – 0.95% per month

Fees:

1.5% arrangement, no exit if refinanced with Bluestone within term, standard legals/valuation

Loan Type:

Auction Finance

Loan Range:

£30,000 – £3,000,000

Loan Terms:

1 – 12 months

Minimum Turnover and Trading Age:

No minimum; 10% deposit paid at auction

Interest Rate / Factor Rate:

0.65% – 1.20% per month

Fees:

2% arrangement, 1% exit, valuation and legal fees accelerated

Loan Type:

Second Charge Bridging Loan

Loan Range:

£50,000 – £1,000,000

Loan Terms:

1 – 12 months

Minimum Turnover and Trading Age:

Experienced property investors preferred

Interest Rate / Factor Rate:

0.85% – 1.35% per month

Fees:

2.5% arrangement, 1% exit, consent fee to first charge lender, standard valuation/legal

More About Bluestone Finance

Bluestone Finance Limited is a UK-based lender specialising in short-term property-backed finance. Established in 2004 and regulated by the Financial Conduct Authority, the company offers bridging, refurbishment, and development funding. These products are designed for professional investors and SME developers who need flexible finance outside of mainstream banking. Bluestone may suit experienced property professionals needing quick access to capital and tailored lending, particularly for projects in England and Wales.

Key features of Bluestone Finance Limited

Bluestone provides several practical features aimed at property investors seeking speed and flexibility in funding. These include online tools, rapid decisions, and a dedicated service model.

Online broker portal for direct submissions and tracking.
Indicative credit terms usually available within four working hours.
In-house legal panel expedites property deal completions.
Interest rolled-up, serviced, or part-serviced to suit different cash flow needs.
Dedicated relationship manager and flexible underwriting for complex projects.

Funding eligibility

You may qualify if you are an experienced property investor, an SME developer, or use a UK-registered SPV. Bluestone considers cases without minimum trading periods and does not require a minimum income or turnover for most products. However, direct property security and personal guarantees are often required. Exclusions apply to agricultural, care, and petrol sectors, and lending is mainly for projects in England and Wales.

Loan options available

Bluestone offers a suite of short-term loans with varying terms and purposes, covering everything from simple acquisitions to full-scale property development.

Residential & Commercial Bridging Loan: £30,000 – £5,000,000 over 1–24 months, 0.49%–1.20% per month representative rate. Secured against property for fast purchase or capital raising.
Refurbishment Finance: £30,000 – £2,000,000, terms of 3–18 months, 0.55%–1.10% monthly rate. For property upgrades, funding up to 100% of works cost.
Ground-Up Development Finance: £100,000 – £10,000,000, 6–24 month terms, annual rates of 6.50%–9.95%. For full new-build projects, with experience required.
Development Exit Loan: £100,000 – £5,000,000, for 3–18 months, rates of 0.55%–0.95% per month. Offers equity release post-construction while waiting for sales.
Auction Finance: £30,000 – £3,000,000, terms of 1–12 months, 0.65%–1.20% per month. Enables quick purchase at auction with pre-approved terms.
Second Charge Bridging Loan: £50,000 – £1,000,000 over 1–12 months, 0.85%–1.35% per month. For releasing equity from properties already mortgaged.

How to apply for funding

Bluestone’s application journey is digital-first, with options for broker or direct submissions. Expect quick indicative decisions and completion in as little as five working days once documents are provided.

Submit an enquiry online or through your broker with project details.
Provide supporting documents, like ID, asset statement, and property details.
Review the credit-backed offer and respond to any underwriting questions.
Once legal checks are complete and terms agreed, sign the deal for funding.

Funding Agent’s view on Bluestone Finance Limited

Bluestone Finance stands out for its focused property-lending approach, tailored towards experienced developers and investors needing high leverage and fast execution. Its products are less suitable for borrowers seeking long-term finance, unsecured loans, or those without a demonstrable property track record. If you want to compare other lenders or check your eligibility, consider using Funding Agent’s comparison tools and guides for an informed decision.