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Loan purpose:

Owner occupied or investment property:

Purchase
Refinance
Equity Release
Suitable borrowers:

Australian residents, temporary and non-residents:

Salaried employees
Self-employed
Repayment types
Principal and interest
Interest only
Interest rate types
Variable rate
Fixed rate for 1 to 3 years
Loan size
Min $150,000
Max $2,000,000
Maximum LVR
75%
Maximum loan term
Up to 30 years
Repayment method
Monthly repayments by direct debit
Acceptable security
Apartments
Townhouses
Houses
Online Access
Through the Brighten Home Loans portal

How does it work?

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!

Loan Application Documents Checklist

 

  • Employee (PAYG)

    I’m a borrower with salaried income

  • Self-employed

    I’m a borrower with self-employed income

Employee (PAYG)

I’m a borrower with salaried income

Identification documents

  • Certified copy of Passport; AND
  • Certified copy of ID card

Credit Report

  • Personal Credit Report from the country of residence

Income Documentation

  • Brighten template Employment Income Verification Form (signed by employer)
  • 3 months bank statements (within 45 days of assessment)

Evidence of Funds

  • Showing funds to complete the purchase (if not yet settled)

Evidence of security 

  • Copy of Contract of Sale for purchase; OR
  • Copy of Title, if property is being refinanced (and 6 months mortgage statements), or if property is being secured for equity release.

Additional income supporting documents (if applicable)

  • Rental income: lease agreement or recent rental statement or 3 months bank statements with rental crediting dated within 45 days. (Accepting rental income outside Australia)
  • Investment income: 12 months investment fund or share portfolio statements and dividends received. (Accepting investment income outside Australia)

Self-employed

I’m a borrower with self-employed income

Identification documents

  • Certified copy of Passport; AND
  • Certified copy of ID card

Credit Report

  • Personal Credit Report from the country of residence

Income Documentation

  • 6 months personal bank statements and 1 month business bank statements (within 45 days of assessment); AND
  • 2 years business financials; OR
  • Brighten template Self Employed Income Verification Form (signed by practicing accountant)

Evidence of Funds

  • Showing funds to complete the purchase (if not yet settled)

Evidence of security 

  • Copy of Contract of Sale for purchase; OR
  • Copy of Title, if property is being refinanced (and 6 months mortgage statements), or if property is being secured for equity release.

Additional income supporting documents (if applicable)

  • Rental income: lease agreement or recent rental statement or 3 months bank statements with rental crediting dated within 45 days. (Accepting rental income outside Australia)
  • Investment income: 12 months investment fund or share portfolio statements and dividends received. (Accepting investment income outside Australia)

Why Choose Brighten?

1

Superior Product Offering

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

2

Less Time to ‘YES’

Fast turnaround times supported by proprietary loan processing platform

3

Complimentary Assessment

Complimentary pre-assessment and conditional written approval

4

Diverse and Resilient Funding

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

5

Better Service Proposition

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

6

Industry Recognition

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

Discover a brighter future
with Brighten

Complimentary Assessment

Prefer to chat? Get in touch on 13 14 88