Brighten | Reshaping non-bank lending

Why Choose Brighten?

Superior Product Offering

Comprehensive and competitive Full Doc, Alt Doc and Construction loans, available to Prime, Near Prime, Expat and Non-Resident buyers.

Fast turnaround times

Fast SLA supported by our experienced team and a proprietary cloud-based loan origination platform.

Diverse and Resilient Funding

Well-established warehouse-funding arrangements with multiple Top Tier Banks, 2 public RMBS programmes and a wholesale credit fund to provide further funding diversification.

Better Service Proposition

Our experienced team are available when you need them to help you navigate your home loan journey.

Trusted Partner

Award-winning non-bank lender with an extensive broker and aggregator network across Australia.

Environmental, Social, and Governance

Good governance, social responsibility and sustainability are key pillars of our culture.

What our customers and partners say about us

I have been dealing with Jay Allen for the past 12 months and during this time he has stood out as one of the best BDM’s I have ever dealt with. He gives me quick, concise and accurate responses to any scenario, but more importantly, he rolls up his sleeves and gets involved with his Credit Team should a deal require more than usual attention. He gets results.

Cameron

Due to Jay’s knowledge around the products, his willingness to work with us to get a deal done and responsiveness on the phone, we call him first every time. He gets the role of BDM like few others do, not only does he go above and beyond, but he also calls us to see what deals are on our desk and workshop them with us. He is an absolute jet, always full of energy and we are so thankful to have him as our BDM.

Damien

Brighten is a solution and customer-focused lender, making it my top choice for Prime Full Doc deals. The team is amazing and accommodating, making smooth transitions to settlements. Their assessment policy, exceptional communication and customer service, lending approach truly set Brighten apart.

Evangeline

I want to give a big thanks to Lewis and the Brighten team for such a quick formal approval. I’m proud to say that I’ve gained a lifelong client as they were so happy with everything that I was able to achieve using Brighten.

Drew

Since the beginning, Jay has consistently communicated clearly and set realistic expectations, ensuring that no time would be wasted for all parties involved. I will continue to recommend Brighten as a trusted lender in the future.

Luan

The assessment took only 24 hours, and ready to settle confirmation came in just 3 days. Impressed by the excellent service, I’ll use Brighten for all future alt doc applications. Their quick turnaround, personalised attention from Jay, and reliability make them my go-to lender.

Kan

Jay Allen from Brighten is one of the best BDMs I have worked with in the finance industry. He has exceptional character, market understanding and delivers solutions that meet clients’ needs. He is responsive, efficient and goes above and beyond. Highly recommended for anyone seeking finance solutions.

Kyle

I highly recommend Brighten Home Loans. Brighten has exceeded my expectations. Fast SLA, guidelines were clear, and outstanding borrowing capacity. Totally their service is superior!

Ryan

Since we started working together two years ago, Brighten has consistently impressed me with their professionalism and effectiveness. I look forward to working with them more.

Waverly

Excellent home loan service, helped me saved thousands off my mortgage repayments amidst current interest rate turbulence. Very friendly and helpful.

Jim

Brighten’s BDM Mikai is fantastic. Her communication skills and professionalism service is top-notch.

Hugh

Thanks to Jimmy for helping me with my very first application to Brighten. Brighten’s process is simple, user-friendly, and seamless. Jimmy has been amazing in guiding me throughout the journey, patiently explaining the step-by-step process and the product features.

Matthew

Brighten provide customers with a very diverse selection of products with market-competitive interest rates. Our BDM Kay Yang can always solve many problems with the training she gives us. Brighten is an excellent choice for alternative lending solutions.

Eric

Wendy is extremely supportive of me and my brokers in putting together a solution. I have the utmost respect for her professionalism in winning the business and the confidence in her knowledge of not just her own products, but industry knowledge as a whole.

Daniel

We have found Brighten to be responsive as lenders to the broker market. Certainly, their product offering, rates, and pricing are a clear stand-out from their competitors. The support we received from Jay, Chris, and Natalie has been exemplary.

Elie

Liwen has made a strong impression with her ability to solve problems. I really appreciate her constant support. It has been great to work with Brighten’s experienced team. I always recommend Brighten to my clients.

Jinkai

Their ability to work with clients with such high customer service level and fast processing speed is incredible.

Jun

Mikai is a very passionate and proactive person. Our work with Mikai has been nothing but positive outcomes and we look forward to continuing working Brighten and Mikai.

Alan

It has been very convenient with the interest rates being lower also. Brighten home loan was able to solve so many problems for overseas clients. Big thanks to BDM Mikai for all her support.

Yuhui

I want to thank Liwen Liu for being patient with my product and scenario enquires. She is very responsible and always does her best for the clients and provides excellent advice to brokers.

Jakie

I wish to thank BDM Kay Yang of her excellent service to broker. She had been very patient with my scenario questions. Always prompt to reply and it was pleasant to work with her.

Victoria

Having never dealt with Brighten, I was a little apprehensive about their process and procedure. However, BDM Jay Allen made the experience easy and painless, and in the end relatively simple. Thank you Brighten and thank you, Jay! Well done!

Richard

Really appreciate that Jimmy has always been there to discuss a deal and has never failed to call back or respond in a timely manner. I look forward to working together with Jimmy more.

Teck

Brighten has become one of my first option lenders for my customers. Fast SLA, easy-to-understand policies, and outstanding borrowing capacity. My BDM Kay always provides robust support on every request. With Kay’s support, every deal has been approved smoothly.

Ryan

Jimmy has been a great support in providing timely communication and product support. Thanks, Jimmy, for always getting the loans approved without any hurdles. Great work mate! I look forward to doing more business.

Deepak

Mikai is a very enthusiastic advocate for Brighten. She fully embraces the brand culture of Brighten, which adds value to my business when I need assistance to place a deal and grow.

Ian

Brighten provides product offerings to accommodate the market needs. They help our broker business grow, and Mikai is very supportive whenever I have any questions. Mikai’s attitude and great skills make her a brilliant BDM of Brighten.

Sheng

Jimmy Hou is the most reliable BDM I’ve come across in my lengthy brokering career. He’s also great at workshopping the deals to cater to our customers and always keeps us in the loop on status updates. An absolutely brilliant BDM!!

Asiri

Jimmy is highly motivated, has a positive attitude and is highly responsive. He escalated our case and made the loan process easy, even with a complicated case and a tight deadline. We can’t say thank you enough.

I’ve been working with my BDM, Mikai, for over two years now. She is very kind, professional, efficient, and patient. Mikai has such strong work ethic, she was still contactable during maternity leave. She is always passionate about her work. She is the best BDM I have ever worked with.

Lulu

Mikai Ning is a hard-working and detail-oriented BDM who is always available to provide excellent support. We greatly appreciate her and Brighten for their hard work.

Fan

Kay is very passionate about her job. She is highly responsive, professional, and provides exceptional service to brokers. Her dedication and communication are excellent. She has made the loan submission process simple and worry-free.

Isabella

The first time trying a new lender can be intimidating, but Jimmy made it simple and efficient, for customers and the broker. We have had such good experience with Brighten we highly recommend them.

Evan

Mikai is very detail oriented with great work ethic. She always communicates policy and product updates to us in a timely manner. We appreciate her ongoing support.

Terry

It is just an incredible experience to work with Kay Yang. She was really supportive all the way through. Communications were flawless and you could not wish for anyone better to look after your client’s interests.

Nick

Jimmy is reliable and responsive, consistently returning messages promptly. He is also knowledgeable and able to address questions and concerns effectively. The work and support he provides are greatly appreciated.

Sunny

Mikai is very easy to reach and always quick with responding. She understands our business and always reaches out to us to get our feedback to bring about positive changes that would enable brokers to do more business with Brighten.

Romy

Huge thanks to my BDM Kay Yang for her support. Brighten’s product range and competitive rates alongside Kay’s superior service has made the entire process much more seamless and efficient. Thank you Brighten.

Raymond

We are very happy with the service we received from Kay. She is easy to communicate with, always helpful, patient, and friendly. As a builder, the progress payment process can be complicated, but Kay helped a lot. We highly recommend her.

Steven

Mikai has a strong commitment to success for every single customer. She is always responsive, even with the trickiest questions, and can connect customers to a wider range of lending solutions.

Jimmy

Thanks to Mikai for being one of the most responsible and trustworthy BDM we have worked with. We appreciate her sound knowledge of mortgage lending products and services and the mortgage industry.

Freda

Kay, you are a superhero for our company. All our team members love you and Brighten. As a BDM, you have given us great support. You are always happy to help work out any loan scenarios, provide product and credit policy training, and help escalate loan applications.

Tony

Brighten’s BDM Mikai is highly skilled and easy to work with. She is knowledgeable about the product and is able to provide excellent solutions for business needs. Mikai also consistently exceeds expectations and adds value to the Brighten brand and the customer’s business.

Heidi

Kyle

The assessment took only 24 hours, and ready to settle confirmation came in just 3 days. Impressed by the excellent service, I’ll use Brighten for all future alt doc applications. Their quick turnaround, personalized attention from Jay, and reliability make them my go-to lender.

Kan

A Smarter Loan, for a Brighter Future

Why Choose Brighten?

Superior Product Offering

Fast turnaround times

Diverse and Resilient Funding

Better Service Proposition

Trusted Partner

Environmental, Social, and Governance

Our Home Loan Products

Loan Purchase:

Suitable Borrowers:

Max. LVR:

Max. Loan Size:

Full Doc

Alt Doc

Expatriate

Bridging

Non-Resident

Premium

Construction Loans

Vacant Land

Need help calculating your loan?

How much can I borrow?

What will my loan repayments be?

How much Stamp Duty will I pay?

Industry Recognition

Success Stories

Self-Employed Secures Alt Doc Construction Loan in One Week with Accountant’s Declaration

Helping a Non-Res Borrower Refinance Without Income Docs to Reduce Interest Rate

Flexible Alt Doc Vacant Land Loan Helps Self-Employed Secure Land for Future Home

One Loan, One Tree, One Hundred Years

Brighten in the News

Keeping up as buyers move fast

2 June 2025

Connective launches seventh white label product with Brighten

30 May 2025

Connective and Brighten launch new white label product

30 May 2025

Bank of Sydney, Brighten reduce rates after RBA cut

23 May 2025

Shedding Light on the Brighten Story

23 May 2025

Brighten Passes on Full 0.25% Rate Cut Across All Products

22 May 2025

Best Mortgage Innovations in Australia |5-Star Mortgage Innovators

12 May 2025

Build success for your clients with Brighten’s loans

30 April 2025

Brighten opens commercial lending to more brokers

24 April 2025

Brighten expands commercial lending access

14 April 2025

Female brokers: are there enough?

7 March 2025

Need for self-employed financing on the rise

4 March 2025

Brighten joins Mortgage Choice lending panel

4 March 2025

Brighten joins Mortgage Choice lender panel

4 March 2025

New lender joins Mortgage Choice panel

4 March 2025

Bridge loans are growing, creating opportunities for brokers

15 January 2025

What to expect in Australia’s housing market in the year ahead

14 January 2025

Is Australia’s Sunshine State the next buying opportunity?

10 January 2025

Residential non-bank leaders outline forecasts for 2025

30 December 2024

Brighten launches vacant land lending product

12 December 2024

Brighten launches flexible vacant land loan

11 December 2024

Brighten goes live with ApplyOnline

25 November 2024

Brighten integrates ApplyOnline to boost broker efficiency

22 November 2024

Brighten integrates NextGen to boost broker experience

22 November 2024

A Smarter Loan,
for a Brighter Future