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Loan purpose:

Owner occupied or investment property:

House and Land construction loans with progress payments.
Acceptable security:

Note: The dwelling(s) to be constructed is limited to a maximum of two residential dwellings on one title. Any development component, by either industry or property use (e.g. best use/project funding) is not acceptable.

Category 1 and Category 2 Postcodes
Suitable borrowers:

Prime only:

Repayment types
During Construction: Interest Only
After Construction: Principal and Interest or Interest Only(up to 5 years)
Interest rate types
Variable rate
Fixed rate for 1 to 5 years.
Loan size
Min $200,000
Max $1,500,000
Maximum LVR
Maximum loan term
Up to 30 years
Repayment method
Monthly repayments by direct debit.
Online access
Through the Brighten Home Loans portal

How does it work?


Submit Your Application

We process your application and supporting documents, and issue you with a complimentary conditional written approval within 48 hours.


Valuation & Income Verification

We will begin our valuation and income verification process after Valuation Fee is settled.


Documents Signing

We will issue you the formal loan approval, then we will forward you all the necessary documents you need to sign.



We finalise your settlement, and your loan is released to you. Congratulations!

Loan Application Documents Checklist


  • Brighten Boss® Builder

    Alt Doc Construction Loan

Brighten Boss® Builder
Alt Doc Construction Loan


  • 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
  • 6 months BAS; OR
  • 3 months business bank statements.

Identification documents

  • Form of identification
  • Proof of Address (if Driver Licence is not provided)

Evidence of Funds

  • Showing funds to complete the land purchase and construction contract

Evidence of security

  • Copy of Contract of Sale for purchase of land and Fixed Price Building Contract; AND
  • Copy of the stamped Council Approved Plans and Builders All Risk Insurance Policy

Credit History

  • Paid defaults up to $500 may be considered

Why Choose Brighten?


Superior Product Offering

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


Less Time to ‘YES’

Fast turnaround times supported by proprietary loan processing platform


Complimentary Assessment

Complimentary pre-assessment and conditional written approval


Diverse and Resilient Funding

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


Better Service Proposition

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


Industry Recognition

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

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.


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

Your future made possible with us

Complimentary Assessment

Prefer to chat? Get in touch on 13 14 88