The Bluestone Broker Portal, explained for brokers.
Bluestone is a specialist non-bank built around self-employed, alt-doc and credit-recovery borrowers, and it has been rated the strongest small non-bank on turnaround. Here is the practical guide: how access works, what is inside the Broker Hub, where commissions sit, and the gotchas brokers run into.
How to access Bluestone.
Bluestone's broker hub is bluestone.com.au/brokers, which carries the tools, calculators and resources. Bluestone presents this as a Broker Hub rather than a separately branded portal product.
Access is by accreditation — and notably fast: Bluestone advertises accreditation in as little as 24 hours via a simple online form. Its loans are available exclusively through accredited brokers, and the channel is BDM-supported for workshopping and application help.
What brokers get in the Broker Hub.
The Broker Hub is geared to placing specialist files quickly. It gives you:
- Online tools and serviceability calculators
- Shorter, simpler application forms aimed at specialist files
- Scenario workshopping with decision-makers and your BDM
- Specialist support for near-prime and SMSF lending
- Policy and insight resources, webinars, and the “Brokers on Bluestone” library
Scenario workshopping with decision-makers is Bluestone's real strength — on a credit-recovery or alt-doc file, getting a view from someone who can actually approve it before you lodge saves a lot of rework.
Where the RCTI actually lives.
Bluestone does not publicly document a commission or RCTI area inside the Broker Hub. Upfront and trail are paid to your aggregator, which then pays you, so the Recipient Created Tax Invoice is generated and accessed in your aggregator's system rather than in the Bluestone hub.
In practice your Bluestone trail shows up on the aggregator's monthly statement (AFG, Connective, Loan Market, FAST, PLAN, Choice) alongside every other lender on your panel, which is the day-to-day source of truth for Bluestone commissions.
Things brokers complain about.
- Specialist and near-prime pricing premium for credit-impaired, self-employed and alt-doc borrowers
- Documentation-heavy alt-doc files, with isolated complaints of long waits on complex cases
- Smaller non-bank scale than the majors
- Policy complexity across the Specialist and Specialist+ tiers
Worth balancing: Bluestone was rated number one on turnaround among small non-banks in the latest independent broker survey, so the pricing premium buys genuinely fast specialist service.
One upload. Bluestone trail reconciled with everything else on your panel.
Most brokers don't pull Bluestone commissions out of the Broker Hub — the upfront and trail flow through the aggregator's monthly statement (AFG, Connective, Loan Market, FAST, PLAN, Choice), and Trail AI ingests it from there in one upload. For brokers who want to reconcile Bluestone's own RCTI line by line, Trail AI's single-lender upload path uses the Bluestone entry in our lender mappings to parse the RCTI directly.