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Loan Purpose
Construction loans with
progress payments.
Suitable Borrowers
Salaried employees, self-employed
persons, including non-residents of
Australia.
Repayment Method
Monthly repayments by direct debit
from the borrower’s Australian bank
account.
Repayment Types
Principal and interest or interest only.
Interest Rate Types
Your choice of a variable rate or a
fixed rate for 2 or 3 years.
Interest Only Periods
A maximum of 5 years.
Minimum Loan
$200,000
Maximum Loan
$2,000,000
Maximum Loan to Value Ratio
70%
Maximum Loan Term
30 Years

What customers and partners say about us

Steven, Accredited Broker

Couldn't be happier with the service we received From Kay. Easy to communicate with, always helpful patient and friendly. As a builder, progress payment process sometimes become very complicated, Kay helps us to follow up every requests that we highly recommended!

Jun

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

Lulu, Accredited Broker

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.

Fan, 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.

Jinkai, 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.

Alan, 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.

Anthony, 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.

Nick, Accredited Broker

It is just an incredible experience to work with Kay Yang. As it was my first time to write a deal through Brighten. Kay Yang was really supportive all the way through. Communication at all times, and being kept in the loop, were flawless and you could not wish for anyone better to look after your client's interests.

Terry, 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.

Victoria, Accredited Broker

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.

Yuhui, 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.

Jakie, 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.

How We Work with You

Our experienced, multilingual team are available when you need them to help you navigate your home loan journey.
Here’s how our expert lending specialists will guide you through our step-by-step process.

1
Submit Your Application
We process your application and supporting documents, and issue you with a complimentary conditional written approval within 48 hours.
2
Valuation & Income Verification
We will begin our valuation and income verification process after Application Fee and Valuation Fee are settled.
3
Documents Signing
We will issue you the formal loan approval, then we will forward you all the necessary documents you need to sign.
4
Settlement
We finalise your settlement, and your loan is released to you. Congratulations!

Achieve Your Australian Dream