Opening more doors for brokers in 2026

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While it won’t make you a cappuccino, ScotPac’s Partner Portal makes helping commercial clients so fast and easy brokers will wonder how they did without it

THE PACE was set in 2025, but 2026 is where the opportunity will really open up. Last year’s strong market and our 25‑year milestone reminded us why brokers choose Bluestone: flexible thinking, real support and lending solutions that help more clients move forward. We introduced new products designed to make homeownership and investment more achievable for a broader range of Australians. And with more than $5.4 billion in lending to over 10,000 people, we ended the year with strong momentum and an even stronger sense of purpose. Heading into 2026, investor activity continues to climb. Investors now account for around 41% of mortgage demand, the highest share since 2016. Credit growth in investment lending is at its fastest pace in more than a decade, even with affordability pressures and a higher‑for‑longer rate environment.

Since 2000, Bluestone has been helping more Australians into homes, no matter how complex their financial story. We specialise in flexible lending solutions for people with big plans, those who are self‑employed, or anyone who needs a more considered approach. By partnering with brokers, we open doors for borrowers who might otherwise be missed. We believe unique circumstances shouldn’t hold anyone back from owning a home. Every borrower brings a different story, and we’re here to listen, adapt and provide lending options that help them move forward with confidence.

Tony MacRae,Bluestone Home Loans

For brokers, that means more opportunity to support clients who are ready to act but who may benefit from a lender that looks at the whole story. That’s where Bluestone will continue to focus in 2026: on backing brokers with flexible solutions and the confidence to help more people reach their property goals. So, what’s driving this? A mix of factors:

“Bluestone is known for our commitment to financial inclusion by helping clients with unique financial situations”

“The real opportunity for brokers lies in being a true partner − someone who can deliver an approval when others only see complexity”

Bluestone looks back on a standout 2025 and shares how its helping more brokers make the most of a booming market and grow their businesses in 2026

While it won’t make you a cappuccino, ScotPac’s Partner Portal makes helping commercial clients so fast and easy brokers will wonder how they did without it

Published 09 Feb 2026

IN Partnership with

This isn’t just a trend, and we’ve expanded our product range to give brokers an opportunity to move beyond the usual prime lending solutions. More solutions for more clients Bluestone is known for its commitment to financial inclusion, helping clients with unique or complex financial situations. We’ve doubled down on this, launching four new lending solutions designed to help you support more clients, in more ways:

These new solutions mean you can now help a broader range of clients, whether they’re self-employed, managing an SMSF, living overseas or planning to build their dream home. Making brokers’ lives easier I often say this: The real opportunity for brokers lies in being a true partner − someone who can deliver an approval when others only see complexity. We’re committed to keeping things fast and simple so you can focus on helping customers. Here’s how we make it easier for you:

Looking ahead, the broader economic outlook for 2026 is positive, with continued growth expected across key sectors. For the housing market, investors are going to look for growth pockets as 2025’s record-high housing prices are compressing investor rental yields. For brokers, this means a strong environment to expand offerings, deepen client relationships and position themselves as trusted advisers in both traditional and alternative lending spaces. Here are my top tips for brokers in 2026:

Where brokers can win in 2026

Find out more

Commercial property loans − flexible options for retail, mixed-use, office and warehouse properties, with loans up to $3 million SMSF commercial investment loans − access to the same fast turn-arounds and dedicated SMSF lending specialist when investing in commercial properties Expat investment loans − solutions for Australians living abroad in 150+ countries to invest back home, with only 10% income shading Construction loans − help for more clients, including alt doc, to fund new builds or major renovations such as duplex projects

Housing supply remains tight, with listings well below the five-year average.Regional markets are booming. Darwin led the pack in 2025 with upwards of 15% growth, while Brisbane and Perth weren’t far behind.Investors are chasing capital gains and portfolio growth, even as APRA signals tighter credit controls.

Alt doc expertise – only one form of income verification required for alt doc loans Speed and service – fast SLAs, dedicated teams for SMSF and construction lending, and proactive BDM support Flexibility – unlimited cash-out options, a wide range of acceptable securities, and solutions tailored for both residential and commercial needs

Tony MacRae, Bluestone Home Loans

Be curious and ask questions to fully understand the customer’s circumstances and requirements. It’ll help you service a broader range of customers. Take the time to tell the customer’s whole story – the good, the bad and the ugly, along with mitigants to address the latter two. Build referral partnerships that can introduce a diverse range of customers. Solution-based lenders like Bluestone often have a path forward for unique circumstances.

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Reverse Mortgages

Investment Loans

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About us

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Terms & conditions

People

Firms

Advertising

Authors

E-newsletter

Australian Mortgage Awards

Events

White papers

Webinar

Australian Broker Talk

Resources

Virtual Roundtable

Sector Focus

Power Panel

Independent Feature

Executive Team Profile

Exclusive Leader Profile

Business Update

Big Deal

Premium Content

Technology

Reverse Mortgages

Investment Loans

Specialist Lending

SME

Commercial

Speciality

Best In Mortgage

News

RSS

Sitemap

About us

Conditions of Use

Terms & conditions

People

Firms

RSS

Sitemap

About us

Conditions of Use

Cookie Policy

Terms & conditions

People

Firms