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Loan purpose:

Owner occupied or investment property:

Purchase
Refinance
Equity Release
Suitable borrowers:

Prime and Near Prime:

Self-employed
Repayment types
Principal and interest
Interest only (up to 5 years)
Interest rate types
Variable rate
Loan size
Min $50,000
Max $2,000,000
Maximum LVR
80%
Maximum loan term
Up to 30 years
Repayment method
Monthly repayments by direct debit
Acceptable security:

Category 1,2 and 3 Postcodes:

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 Valuation Fee is 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

 

  • Brighten Boss® Prime

    Alt Doc Home Loan

  • Brighten Boss®

    Alt Doc Home Loan

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

Other

  • Proof of address if it’s not confirmed by Driver Licence

Cash Out

  • Up to $250,000

Credit History

  • Paid defaults up to $500 may be considered

Brighten Boss®
Alt Doc Home Loan

ABN & GST

  • Active ABN for at least 1 year; AND
  • GST registration for at least 1 day (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.

Other

  • Proof of address if it’s not confirmed by Driver Licence

Cash Out

  • Unlimited

Credit History

  • Unlimited defaults up to $1,000 accepted (paid or unpaid)
  • Unlimited defaults > $1,000, registered > 24 months (paid more than 12 months ago) accepted
  • Mortgage Arrears within last 6 months not accepted

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