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188B and 188C Visa Holder Home Loans

Brighten Premium – Full Doc home loans for Australian 188B and 188C or 888B and 888C Visa holders

Variable rate from



Principal & Interest


Comparison Rate

Complimentary Assessment

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Loan purpose:
Owner occupied or investment property:



Equity Release

Suitable borrowers:

Australian 188B/C or 888B/C Visa holders

Repayment types

Principal and interest

Interest only (up to 5 years)

Interest rate types

Variable rate

Loan size

Min $50,000

Max $2,500,000

Maximum LVR


Maximum loan term

Up to 30 years

Repayment method

Direct Debit, BPAY, Pay anyone

Acceptable security:
Category 1 Postcodes:




Online Access

Through the Brighten Home Loans portal

188B and 188C Visa Holder Loan Application Documents Checklist

Brighten Premium
Full Doc Prime Home Loan

Income Documentation – Rental Income

  • Rental statements from real estate agent; OR
  • Rental agreement PLUS most recent rental statements showing at least 3 months’ rental income; OR
  • Rental appraisal (from an approved/recognised appraiser)

Income Documentation – Investment Income

  • 12 months investment fund or share portfolio statements and dividends received


  • Offshore Commitment and Expense Declaration
  • Visa Grant Notice
  • Proof of address if it’s not confirmed by Driver Licence
  • Personal Credit Report from the country of origin
  • Brighten Supplementary Residency Form

Cash Out

  • Unlimited

Credit History

  • Paid defaults up to $500 may be considered

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!

Why Choose Brighten?


Superior Product Offering

Comprehensive and competitive Full Doc, Alt Doc and Construction loans, available to Prime, Near Prime, Expat and Non-Resident buyers.


Fast turnaround times

48-hour SLA supported by our experienced team and a proprietary cloud-based loan origination platform.


Diverse and Resilient Funding

Well-established warehouse-funding arrangements with multiple Top Tier Banks, a public RMBS programme and a wholesale credit fund to provide further funding diversification.


Better Service Proposition

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


Trusted Partner

Award-winning non-bank lender with an extensive broker and aggregator network across Australia.


Environmental, Social, and Governance

Good governance, social responsibility and sustainability are key pillars of our culture.

*Available for new Brighten Premium loans (OO P&I) ≤70%LVR. # The comparison rate is based on a secured loan of $150,000 and a term of 25 years. WARNING : This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.