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Why Choose Brighten?

1

Superior Product Offering

Comprehensive offering for every purpose – Purchase, Refinance, Equity Release and Construction

2

Fast Turnaround Times

Fast turnaround times supported by a proprietary loan processing platform

3

Diverse and Resilient Funding

Our loans are fully funded by multiple sources of institutional capital including top tier international banks.

4

Better Service Proposition

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

5

Industry Recognition

Established broker and aggregator network and holds industry memberships with the MFAA and FBAA.

6

Environmental, Social, and Governance

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

Our Home Loan Products

Full Doc
Home Loan

Loan Purchase:
  • Purchase
  • Refinance
  • Equity release
Suitable Borrowers:
  • Salaried employees
  • Self-employed persons
Max. LVR:
  • 95% (Inclusive LMI)
Max. Loan Size:
  • $2,000,000
Max. Loan Term:
  • Up to 30 years
Repayment Types:
  • Principal & Interest
  • Interest Only(up to 5 years)

Alt Doc
Home Loan

Loan Purchase:
  • Purchase
  • Refinance
  • Equity release
Suitable Borrowers:
  • Prime and Near Prime Self-employed persons
Max. LVR:
  • 80%
Max. Loan Size:
  • $2,000,000
Max. Loan Term:
  • Up to 30 years
Repayment Types:
  • Principal & Interest
  • Interest Only(up to 5 years)

Non-Resident
Home Loan

Loan Purchase:
  • Purchase
  • Refinance
  • Equity release
Suitable Borrowers:
  • Salaried employees
  • Self-employed persons
  • Australian residents, temporary and non-residents
Max. LVR:
  • 75%
Max. Loan Size:
  • $2,000,000
Max. Loan Term:
  • Up to 30 years
Repayment Types:
  • Principal & Interest
  • Interest Only(up to 5 years)

Full Doc/Alt Doc
Construction Loan

Loan Purchase:
  • Construction loans with progress payments
Suitable Borrowers:
  • Salaried employees
  • Self-employed persons
Max. LVR:
  • 80%
Max. Loan Size:
  • $1,500,000
Max. Loan Term:
  • Up to 30 years
Repayment Types:
  • During Construction: Interest Only
  • After Construction: Principal and Interest or Interest Only(up to 5 years)

Non-Resident
Construction Loan

Loan Purchase:
  • Construction loans with progress payments
Suitable Borrowers:
  • Salaried employees
  • Self-employed persons
  • Australian residents, temporary and non-residents
Max. LVR:
  • 70%
Max. Loan Size:
  • $2,000,000
Max. Loan Term:
  • Up to 30 years
Repayment Types:
  • Principal & Interest
  • Interest Only(up to 5 years)

One Home Loan, One Tree, One Hundred Years

For every home loan we settle, we plant a tree that is legally protected for 100 years.

LEARN MORE

Brighten in the News

Brighten tech chief on broker pain points and tech solutions to human problems
22 October 2021
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Brighten to Land at Home
21 October 2021
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Brighten taps new technology chief
19 October 2021
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Brighten Home Loans appoints new CTO
19 October 2021
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CT becomes CTO at Brighten Home Loans
18 October 2021
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Brighten names lending manager
1 September 2021
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Brighten adds new role to credit team
31 August 2021
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Brighten Home Loans appoints new lending manager
31 August 2021
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Briefs: Suncorp launches hybrid, Brighten hires lending manager
31 August 2021
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Brighten Home Loans aim to reduct turnaround times through Simpology partnership
25 August 2021
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Brighten teams with mortgage tech
24 August 2021
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The three biggest loan application mistakes
11 August 2021
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Non-bank head of distribution looks to a greener future
5 August 2021
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Brighten’s Mission to Reshape Non-Bank Lending
27 July 2021
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A Place to Call Home
27 July 2021
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Non-bank boosts ESG commitment
22 July 2021
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The opportunity that every broker should leverage
17 July 2021
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Brighten Home Loans MD rides for charity
14 July 2021
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Making moves in the finance world
9 July 2021
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Brighten’s star rises with Solaris nonresident RMBS debut
19 April 2021
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Brighten creates white label channel role
8 April 2021
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Brighten Home Loans managing director on the gender pay gap
11 March 2021
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Non-bank lender commits to pay equity
8 March 2021
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Non-bank recognised by government for work to eliminate gender pay gap
8 March 2021
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Brighten appoints head of credit
11 February 2021
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Brighten’s Stephen Murphy looks forward to the year ahead
20 January 2021
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Brighten Home Loans unveils key appointment
8 December 2020
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Home lending specialist joins Brighten Home Loans
8 December 2020
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Non-banks urge revamp of TFF criteria
20 November 2020
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Changing Gears
30 October 2020
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Brighten | KangaNews
15 October 2020
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Brighten’s growth focus
15 October 2020
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BDM in the Spotlight: Jimmy Hou
6 October 2020
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Non-banks team up
9 September 2020
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Non-bank partners with LJ Hooker Home Loans
9 September 2020
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Briefs: June quarter credit flow surprise, LJ Hooker partners with Brighten
9 September 2020
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BDM in the Spotlight: Leo Liu
3 August 2020
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BDM in the Spotlight: Mikai Ning
13 July 2020
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BDM in the Spotlight: Kay Yang
1 June 2020
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Broker on Broker
14 May 2020
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Aggregator welcomes non-bank to panel
4 May 2020
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Non-bank extends broker channel presence
4 May 2020
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BDM in the Spotlight: Liwen Liu
27 April 2020
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Home lender appoints head of distribution
17 April 2020
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Non-bank names head of distribution
8 April 2020
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Brighten Home Loans appoints industry veteran as Head of Distribution
8 April 2020
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Non-bank appoints inaugural head of distribution
8 April 2020
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Non-bank lender continues rise to prominence
31 January 2020
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Brighten secures a $250 million funding facility
24 January 2020
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Non-bank eyes prime space in new mortgage market push
22 January 2020
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Niche Lender Plans To Go Prime
22 January 2020
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Goldman lending deal to Brighten residential property push
19 January 2020
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Non-bank lender set to rescue neglected borrowers
17 September 2018
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Foreign-backed lender to target ‘orphaned’ borrowers
14 September 2018
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What our customers and partners say about us

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

Jun,

I have been working with my BDM, Mikai Ning, for two years. Since meeting her, she has continued to impress me with her professionalism, her efficiency, and her patience to listen and explaining all information. Even during pregnancy period, she even said to me personally that if there is anything I require, that Mikai is still contactable and will get back to me as soon as she can. Her attitude is always super nice and is highly passionate about what she does. I have been in this field for so many years and she is the best BDM I have worked with.

Lulu, Accredited Broker

Great review for Mikai Ning. Not only is she highly passionate, but she is also very hard working and highly detail oriented in her work. No matter what time of the day, or day of week, she will always get back to us. We highly appreciate Mikai and Brighten for their hard work and ongoing support.

Fan, Accredited Broker

Brighten’s BDM, Liwen, has left a very impressive impression. Whether it is policy or product, she can solve and fix any problem, big or small, she is always reaching out and supporting us. From the beginning, It has been great to work with Brighten’s vastly experience team and great products. I always recommend Brighten to all my clients.

Jinkai, Accredited Broker

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

Alan, Accredited Broker

My BDM Leo Liu has been a great help in assisting me setting up the referral program and educating in terms of products and knowledge. I look forward to the greater relationship with Brighten Home Loan and Leo Liu.

Anthony, Accredited Broker

Mikai is our BDM and she is a very detail oriented with great work ethic and speed. If there is a policy update, she will always try and get in touch with us as soon as possible to ensure that we received and understand the relevant changes so that we can better accommodate our clients. Thank you for your ongoing support to us brokers.

Terry, Accredited Broker

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, Accredited Broker

I need to thank my BDM Liwen Liu. She has been very responsible since the beginning. She is always patient with my home loan scenario enquires. She always tries to do best for the clients. Liwen is very professional, always gives good advice to brokers. She is an excellent BDM. Thank you.

Jakie, Accredited Broker

Discover a brighter future
with Brighten

Complimentary Assessment

Prefer to chat? Get in touch on 13 14 88