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Brighten | KangaNews

Publication Date: Wednesday, 15 October 2020
This article originally appeared in KangaNews


About Brighten Home Loans
Brighten Home Loans is an Australian-owned and regulated nonbank lender with offices in Sydney, Melbourne, Brisbane, Hong Kong and Shanghai. Brighten was established and commenced lending in 2017. It had an innovative product offering from the outset, including home loans for nonresident borrowers. Brighten has since broadened its product range to offer prime and near-prime, nonresident and construction loans, growing its assets under management to more than A$500 million.

Brighten is a full-service nonbank provider, responsible for the origination, underwriting, servicing and funding of its mortgage portfolio. With an end-to-end digital mortgage solution platform that drives innovation to achieve cost and service efficiencies, as well as an experienced leadership team, Brighten is well placed for growth.

Ownership, history and capital structure
Brighten is a 100% owned entity of the Real Asset Management Group (RAM), an Australian-owned wealth- and asset-management firm with a focus on the credit and fixed-income, real-estate, and private-equity asset classes.

Brighten benefits from the strong support of RAM along with the experienced leadership and institutional relationships that have been developed over RAM’s 10-year history.

Business performance
Through its focus on profitable niches in the initial growth stage, Brighten has been able profitably and sustainably to grow its mortgage portfolio since inception.

Brighten is generating strong financial performance following significant investment in its digital mortgage-solution platform, having expanded capabilities in key areas such as its mortgage-distribution platform, and origination and underwriting systems. From this strong financial position, Brighten is well placed sustainably to scale its business.

Funding strategy
Brighten has established two warehouse-funding arrangements with global investment banks, with further funding diversification provided through a wholesale credit fund.

Brighten’s long-term focus is to develop a sustainable RMBS programme and, to this end, the company takes a proactive approach to its funding arrangements through early engagement with investors, auditors and rating agencies.

What our customers and partners say about us

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


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.

Lulu, 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.

Fan, 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.

Jinkai, 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.

Alan, 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.

Anthony, 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.

Terry, 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.

Yuhui, 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.

Jakie, Accredited Broker

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