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Loan purpose:

Owner occupied or investment property:

Purchase
Refinance
Equity Release
Suitable borrowers:

Prime and Near Prime:

Salaried employees
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
95% (Inclusive LMI)
Maximum loan term
Up to 30 years
Repayment method
Direct Debit, BPAY, Pay anyone
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 Empower Prime

    Full Doc Prime Home Loan

  • Brighten Empower

    Full Doc Near Prime Home Loan

Brighten Empower Prime
Full Doc Home Loan

Income Documentation – PAYG

  • 2 consecutive payslips; AND
  • 3 month bank statement showing salary paid by employer
  • Note: where serviceability is reliant on additional income from employment such as overtime, allowances, bonuses, the most recent PAYG summary / Single Touch Payroll (STP) summary must be provided.

Income Documentation – Self-employed

  • The last 2 years Financial Statements, including business/trust and personal Income Tax Returns; AND
  • Latest 2 years ATO Notice of Assessments

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 Empower
Full Doc Home Loan

Income Documentation – PAYG

  • 2 consecutive payslips; AND
  • 3 month bank statement showing salary paid by employer
  • Note: where serviceability is reliant on additional income from employment such as overtime, allowances, bonuses, the most recent PAYG summary / Single Touch Payroll (STP) summary must be provided.

Income Documentation – Self-employed

  • The last 2 years Financial Statements, including business/trust and personal Income Tax Returns; AND
  • Latest 2 years ATO Notice of Assessments
  • OR

  • The most recent 1 year Financial Statements, including business/trust and personal Income Tax Returns; AND
  • Most recent 6 month BAS; AND
  • Latest available tax assessment

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