Alt Doc Prime – Brighten Boss^® Prime

$0 Risk Fee up to 80%LVR
Competitive variable interest rates
Category 1 and Category 2 postcodes accepted
100% Redraw Offset Facility available
Max. Loan Size $5,000,000
ONE form of income verification
48 Hours SLA
Fully assessed Pre-Approvals

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Loan Application Documents Checklist

Brighten Boss® Prime

Alt Doc Home Loan

ABN & GST

Active ABN for at least 2 years; AND
GST registration for at least 12 months (if Turnover >$75,000)

Income Documentation

Borrower Income Declaration; AND

One of the following:

Brighten Template accountant’s letter; OR
Most recent 6 months BAS; OR
Most recent 3 months business bank statements.

Cash Out

Unlimited

Credit History

Paid defaults up to $500 may be considered

Case Studies

Brighten Empower Prime

A Self-employed Borrower Securing a Full Doc Prime Loan with 1-Year Financials

Mr. B. has been running a successful plumbing business for the past 15 years. He has completed his 2023 tax returns and was looking to refinance his investment property held under his trust, with a 5-Year Interest-Only term.

Brighten Empower Prime

Business Owner Used His Director Wages to Service a Full Doc Loan

Mr. H is a successful business owner and seasoned investor with three investment properties. He runs three successful businesses and was looking to add another property to his portfolio.

Brighten Empower Prime

1-Year Financials for Refinance and Interest Only Investment Loan

Mr. N worked in IT for a long time and decided to start his own IT business two years ago. His hard work has paid off, and his business has experienced rapid growth since last year.

View All Case Studies

About Brighten

Brighten Home Loans (“Brighten“) is an Australian owned full-service non-bank lender, responsible for the origination, underwriting, servicing and funding of our mortgage portfolio.

We have well-established warehouse-funding arrangements with multiple Top Tier Banks, 2 public RMBS programmes and a wholesale credit fund to provide further funding diversification. We offer a range of competitive Full Doc, Alt Doc and Construction loan products available to Prime and Near Prime, Resident and Non-Resident borrowers.

Brighten in the News

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

Brighten launches new broker portal

24 October 2024

Brighten unveils broker portal upgrade

23 October 2024

Big Deal

14 October 2024

Brighten appoints new head of commercial lending

11 October 2024

Former leader at Pepper, Westpac, and CBA, joins Brighten

11 October 2024

Brighten’s warm glow of success and innovation

23 September 2024

Brighten innovates products and policies, propels growth

16 September 2024

Brighten expands leadership team as it eyes broker growth

16 September 2024

Brighten strengthens leadership amid rapid growth

14 September 2024

Brighten appoints new senior BDM for Victoria

22 August 2024

Brighten appoints new senior BDM

20 August 2024

‘Frustrating misconception’: Do you believe non-bank lenders are less safe?

12 July 2024

How can lenders support the self-employed?

11 July 2024

Top non-bank shines with award-winning BDMs

25 June 2024

Home buyers eye non-bank loans

4 June 2024

66% of borrowers more likely to use a broker than go direct: Brighten

4 June 2024

Non-bank embarks on journey of growth

13 May 2024

Brighten appoints new BDM amid WA boom

1 May 2024

Brighten appoints senior BDM

30 April 2024

Best Mortgage Innovations in Australia | 5-Star Mortgage Innovators

30 April 2024

Brighten partners with Quickli for enhanced broker support

1 March 2024

Non-bank lender partners with Quickli

28 February 2024

Brighten Home Loans drops servicing buffer to 2%

8 February 2024

Brighten reduces buffer, enhances policy to improve serviceability

8 February 2024

New CEO takes the reins at non-bank

23 January 2024

Brighten Announces Jason Azzopardi as New CEO to Spearhead Expansion

22 January 2024

Brighten announces new CEO

22 January 2024

Brighten welcomes new CEO

22 January 2024

Brighten and Carbon Neutral: Cultivating a greener future together

18 January 2024

Affordability and serviceability will continue to bite in 2024: Brighten

8 January 2024

Why this lender is telling customers to use a mortgage broker

21 December 2023

Brighten Home Loans wins Inclusive Employer recognition

23 November 2023

Brighten ready to forecast sunnier skies ahead

6 October 2023

Brokers’ market share slipped this quarter – what can they do about it?

8 September 2023

Ripe opportunity for brokers in under-served mortgage market: Brighten

29 August 2023

AFG launches mortgage products for underserved markets

23 August 2023

AFG and Brighten unveil white label offering

16 August 2023

Why technology is crucial for the mortgage industry

4 August 2023

Debt consolidation by refinancing your home loan

18 July 2023

Mortgage innovators share their blueprint for success

22 June 2023

AFG and Brighten announce white label partnership

20 June 2023

AFG extends white label home loan product range

19 June 2023

Are rising property auction clearance rates an opportunity for brokers?

5 June 2023

Brighten launches bridging loan product

27 April 2023

Authentic brand activism: The value of diversity and inclusion

11 April 2023

Revealed: 5-Star Mortgage Innovators

31 March 2023

Best Mortgage Innovations in Australia | 5-Star Mortgage Innovators

29 March 2023

Non-bank lenders and brokers can help alleviate the housing crisis

6 March 2023

Brighten senior BDM promoted to newly created role

17 February 2023

Here’s Australia’s 30 best suburbs for rentvesting

14 January 2023

MFAA calls for greater diversity to achieve growth

13 December 2022

Purple Circle adds another lender to its panel

9 December 2022

Non-bank lender Brighten preps $400m RMBS deal

25 November 2022

Open Borders: Why expats are a big opportunity for brokers

19 October 2022

Help your visa holder clients with foreign income to secure a mortgage

6 October 2022

Brighten comes home to resident lending in ongoing growth drive

3 October 2022

Brighten Home Loan partners with Finsure to bolster distribution

14 September 2022

Purple Circle launches white label loans suite

7 September 2022

Brighten launches home loans for expats

2 September 2022

BDM in the spotlight: Jay Allen

1 September 2022

Brighten unveils new mortgage for Australian expats

24 August 2022

Brighten offers new home loan product to expats

24 August 2022

Brighten Home Loans introduces new product for expats and Aussies returning home

24 August 2022

Brighten Home Loans joins outsource Financial’s lender panel

12 August 2022

Brighten joins another aggregator panel

10 August 2022

Brighten joins another aggregator panel

9 August 2022

Australian Mortgage Awards 2022 – Excellence Awardees revealed

8 August 2022

Brighten Home Loans donates over $80,000 to five charities

19 July 2022

Brokers beware: tax time is here

1 July 2022

Let’s Talk: How to be the hottest workplace in town

22 June 2022

In search of an even playing field

9 June 2022

First-home buyers fear being priced out

27 May 2022

First-home buyers fear being priced out

27 May 2022

Let’s get digital

11 April 2022

Brighten Home Loans enjoys lending, staff growth

25 March 2022

Beating the Bias: The Glass Ceiling effect and its impact on women in the workplace

8 March 2022

Health versus Career: The unsolved dilemma women face at work

8 March 2022

What could be done to encourage more women into broking?

8 March 2022

IWD2022: Top tips on running a successful mortgage business

8 March 2022

Brighten Home Loans appoints national sales manager

16 February 2022

Brighten Home Loans appoints national sales manager

16 February 2022

Brighten hires national sales manager

16 February 2022

Brighten Home Loans reshapes non-bank lending

27 January 2022

Non-bank lender sees high demand from the self-employed

27 January 2022

Broker head cycles 332 km to raise funds for suicide prevention

6 January 2022

Brighten named Inclusive Employer

29 December 2021

MoneyQuest partners with Brighten for new white label loan

17 December 2021

Brighten Home Loans earns inclusivity award

14 December 2021

Will “The Great Resignation” see demand for non-bank loans heighten?

30 November 2021

Brighten tech chief on broker pain points and tech solutions to human problems

22 October 2021

Brighten to Land at Home

21 October 2021

Brighten taps new technology chief

19 October 2021

Brighten Home Loans appoints new CTO

19 October 2021

CT becomes CTO at Brighten Home Loans

18 October 2021

Brighten names lending manager

1 September 2021

Brighten adds new role to credit team

31 August 2021

Brighten Home Loans appoints new lending manager

31 August 2021

Briefs: Suncorp launches hybrid, Brighten hires lending manager

31 August 2021

Brighten Home Loans aim to reduct turnaround times through Simpology partnership

25 August 2021

Brighten teams with mortgage tech

24 August 2021

The three biggest loan application mistakes

11 August 2021

Non-bank head of distribution looks to a greener future

5 August 2021

Brighten’s Mission to Reshape Non-Bank Lending

27 July 2021

A Place to Call Home

27 July 2021

Non-bank boosts ESG commitment

22 July 2021

The opportunity that every broker should leverage

17 July 2021

Brighten Home Loans MD rides for charity

14 July 2021

Making moves in the finance world

9 July 2021

Brighten’s star rises with Solaris nonresident RMBS debut

19 April 2021

Brighten creates white label channel role

8 April 2021

Brighten Home Loans managing director on the gender pay gap

11 March 2021

Non-bank lender commits to pay equity

8 March 2021

Non-bank recognised by government for work to eliminate gender pay gap

8 March 2021

Brighten appoints head of credit

11 February 2021

Brighten’s Stephen Murphy looks forward to the year ahead

20 January 2021

Brighten Home Loans unveils key appointment

8 December 2020

Home lending specialist joins Brighten Home Loans

8 December 2020

Non-banks urge revamp of TFF criteria

20 November 2020

Changing Gears

30 October 2020

Brighten | KangaNews

15 October 2020

Brighten’s growth focus

15 October 2020

BDM in the Spotlight: Jimmy Hou

6 October 2020

Non-banks team up

9 September 2020

Non-bank partners with LJ Hooker Home Loans

9 September 2020

Briefs: June quarter credit flow surprise, LJ Hooker partners with Brighten

9 September 2020

BDM in the Spotlight: Leo Liu

3 August 2020

BDM in the Spotlight: Mikai Ning

13 July 2020

BDM in the Spotlight: Kay Yang

1 June 2020

Broker on Broker

14 May 2020

Aggregator welcomes non-bank to panel

4 May 2020

Non-bank extends broker channel presence

4 May 2020

BDM in the Spotlight: Liwen Liu

27 April 2020

Home lender appoints head of distribution

17 April 2020

Non-bank names head of distribution

8 April 2020

Brighten Home Loans appoints industry veteran as Head of Distribution

8 April 2020

Non-bank appoints inaugural head of distribution

8 April 2020

Non-bank lender continues rise to prominence

31 January 2020

Brighten secures a $250 million funding facility

24 January 2020

Non-bank eyes prime space in new mortgage market push

22 January 2020

Niche Lender Plans To Go Prime

22 January 2020

Goldman lending deal to Brighten residential property push

19 January 2020

Non-bank lender set to rescue neglected borrowers

17 September 2018

Foreign-backed lender to target ‘orphaned’ borrowers

14 September 2018

Read more Media Articles

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