Share a Home Loan Scenario with Brighten

Submit a Scenario

"*" indicates required fields

Name*

Email*

Loan Type*

Doc Type*

Loan Amount (AUD)

LVR (%)*

Residency Status*

Property Purpose*

Property Type

Address*

Category Location

Expected Settlement Date

Scenario Summary*

Employment/Business Details*

Overall Asset Position*

CAPTCHA

Comments

This field is for validation purposes and should be left unchanged.

Why Choose Brighten

Fully Assessed Pre-Approvals
All Brighten Products
Existing Debts Assessed at 125% of Actual Repayments
All Brighten Products*
Unlimited Cash Out up to 80% LVR
All Brighten Products
CAT 1 & 2 Postcodes Accepted (Prime Products)
Brighten Empower Prime | Brighten Elevate
Brighten Boss^® Prime | Brighten Connect
Brighten Easy Builder^® | Brighten Evergreen
Application Assessed on Merits
All Brighten Products

Cash Out up to $500k for Business Purposes
All Brighten Products
1-Year Financials (Available to Prime Borrowers)
Brighten Empower Prime^{^} | Brighten Empower
Brighten Elevate | Brighten Premium
One Form of Income Documentation Required(Alt Doc)
Brighten Boss^® Prime | Brighten Boss^®
Brighten Easy Builder^® – Alt Doc
Up to 95% LVR Inclusive LMI
Brighten Empower Prime
Unlimited Debt Consolidation Including Payout of ATO Debts
Brighten Boss^® | Brighten Empower

Up to $15,000,000 Loan
Brighten Empower| Brighten Boss^®
Brighten Elevate | Brighten Connect
Brighten Premium | Brighten Evergreen
Non-Australian Sourced Income Accepted
All Brighten Products*
Construction and Bridging Home Loans
Brighten Easy Builder^® | Brighten Connect
CAT 3 Postcodes Accepted
Brighten Boss^® | Brighten Empower
Refinance of Non-Conforming and Private Loans Accepted
Brighten Boss^® | Brighten Empower
Interest Rate Based on Security – Not Purpose
All Brighten Products

*Repayment amount must be reasonable for life of the loan
^{^}Up to 80% LVR

Industry Recognition

MFAA awards 2025

BBA2024 winner best lender bdm non bank

AMA awards 2024

Brighten in the News

LMG expands lending portfolio with new partners

1 July 2026

LMG announces major white-label expansion

30 June 2026

Lenders urge broker action ahead of resi LRBA ban

25 June 2026

Australia’s untapped $3 trillion secret for retirees

18 June 2026

How lenders are changing the game through platform innovations

9 June 2026

In Focus: How brokers can help connect the dots in the borrowing crunch

5 June 2026

Brighten fast-tracks reverse mortgage rollout

18 May 2026

Brighten fast-tracks reverse mortgage rollout after broker pilot surge2

15 May 2026

Commercial lending 2026: Reasons to be cheerful in commercial property

8 May 2026

Building beyond the banks: Unlocking construction opportunities for self-employed clients

5 May 2026

Money Quest unveils MQG Lending in white label pus

30 April 2026

Money Quest Group launches white-label lending arm

29 April 2026

Investor flows find new channels with broker help

8 April 2026

Lenders assess new dynamics in trust and company lending

31 March 2026

Powering broker growth through SMSF lending

9 March 2026

Brighten unveils new state-based leadership structure

5 March 2026

Brighten reshuffles leadership team amid expansion

5 March 2026

Brighten taps Heartland alum as demand for reverse mortgages grows

16 February 2026

Brighten appoints first reverse mortgages chief

13 February 2026

BDM in the Spotlight: Jimmy Hou, Brighten

20 January 2026

How to pivot after a career plateau

12 January 2026

BDM in the Spotlight: Wendy Goulevitch, Brighten

2 January 2026

Rising lending complexity will define 2026, and brokers will stay at the centre

31 December 2025

Brighten recognised as Inclusive Employer for the third consecutive time

17 November 2025

How to become an SMSF Super Star

17 November 2025

Brighten launches new range of SMSF loans

28 October 2025

Brighten launches new residential and commercial SMSF loans

23 October 2025

Brighten expands SMSF lending options

22 October 2025

The problem with boxes

22 September 2025

Big Deal

29 August 2025

Commercial boom fuels broker growth

28 August 2025

How brokers can branch out and find new growth

11 August 2025

Brighten partners with MSA National to accelerate settlements

28 July 2025

Brighten, MSA team up for faster digital settlements

25 July 2025

The building boom could determine broker success in FY26

17 July 2025

Helping brokers bridge gaps

30 June 2025

Inside Brighten’s rise as the non-bank lender of choice

30 June 2025

Keeping up as buyers move fast

2 June 2025

Connective launches seventh white label product with Brighten

30 May 2025

Connective and Brighten launch new white label product

30 May 2025

Bank of Sydney, Brighten reduce rates after RBA cut

23 May 2025

Shedding Light on the Brighten Story

23 May 2025

Brighten Passes on Full 0.25% Rate Cut Across All Products

22 May 2025

Best Mortgage Innovations in Australia |5-Star Mortgage Innovators

12 May 2025

Build success for your clients with Brighten’s loans

30 April 2025

Brighten opens commercial lending to more brokers

24 April 2025

Brighten expands commercial lending access

14 April 2025

Female brokers: are there enough?

7 March 2025

Need for self-employed financing on the rise

4 March 2025

Brighten joins Mortgage Choice lending panel

4 March 2025

Brighten joins Mortgage Choice lender panel

4 March 2025

New lender joins Mortgage Choice panel

4 March 2025

Bridge loans are growing, creating opportunities for brokers

15 January 2025

What to expect in Australia’s housing market in the year ahead

14 January 2025

Is Australia’s Sunshine State the next buying opportunity?

10 January 2025

Residential non-bank leaders outline forecasts for 2025

30 December 2024

Brighten launches vacant land lending product

12 December 2024

Brighten launches flexible vacant land loan

11 December 2024

Brighten goes live with ApplyOnline

25 November 2024

Brighten integrates ApplyOnline to boost broker efficiency

22 November 2024

Brighten integrates NextGen to boost broker experience

22 November 2024

Brighten launches new broker portal

24 October 2024

Brighten unveils broker portal upgrade

23 October 2024

Big Deal

14 October 2024

Brighten appoints new head of commercial lending

11 October 2024

Former leader at Pepper, Westpac, and CBA, joins Brighten

11 October 2024

Brighten’s warm glow of success and innovation

23 September 2024

Brighten innovates products and policies, propels growth

16 September 2024

Brighten expands leadership team as it eyes broker growth

16 September 2024

Brighten strengthens leadership amid rapid growth

14 September 2024

Brighten appoints new senior BDM for Victoria

22 August 2024

Brighten appoints new senior BDM

20 August 2024

‘Frustrating misconception’: Do you believe non-bank lenders are less safe?

12 July 2024

How can lenders support the self-employed?

11 July 2024

Top non-bank shines with award-winning BDMs

25 June 2024

Home buyers eye non-bank loans

4 June 2024

66% of borrowers more likely to use a broker than go direct: Brighten

4 June 2024

Non-bank embarks on journey of growth

13 May 2024

Brighten appoints new BDM amid WA boom

1 May 2024

Brighten appoints senior BDM

30 April 2024

Best Mortgage Innovations in Australia | 5-Star Mortgage Innovators

30 April 2024

Brighten partners with Quickli for enhanced broker support

1 March 2024

Non-bank lender partners with Quickli

28 February 2024

Brighten Home Loans drops servicing buffer to 2%

8 February 2024

Brighten reduces buffer, enhances policy to improve serviceability

8 February 2024

New CEO takes the reins at non-bank

23 January 2024

Brighten Announces Jason Azzopardi as New CEO to Spearhead Expansion

22 January 2024

Brighten announces new CEO

22 January 2024

Brighten welcomes new CEO

22 January 2024

Brighten and Carbon Neutral: Cultivating a greener future together

18 January 2024

Affordability and serviceability will continue to bite in 2024: Brighten

8 January 2024

Why this lender is telling customers to use a mortgage broker

21 December 2023

Brighten Home Loans wins Inclusive Employer recognition

23 November 2023

Brighten ready to forecast sunnier skies ahead

6 October 2023

Brokers’ market share slipped this quarter – what can they do about it?

8 September 2023

Ripe opportunity for brokers in under-served mortgage market: Brighten

29 August 2023

AFG launches mortgage products for underserved markets

23 August 2023

AFG and Brighten unveil white label offering

16 August 2023

Why technology is crucial for the mortgage industry

4 August 2023

Debt consolidation by refinancing your home loan

18 July 2023

Mortgage innovators share their blueprint for success

22 June 2023

AFG and Brighten announce white label partnership

20 June 2023

AFG extends white label home loan product range

19 June 2023

Are rising property auction clearance rates an opportunity for brokers?

5 June 2023

Brighten launches bridging loan product

27 April 2023

Authentic brand activism: The value of diversity and inclusion

11 April 2023

Revealed: 5-Star Mortgage Innovators

31 March 2023

Best Mortgage Innovations in Australia | 5-Star Mortgage Innovators

29 March 2023

Non-bank lenders and brokers can help alleviate the housing crisis

6 March 2023

Brighten senior BDM promoted to newly created role

17 February 2023

Here’s Australia’s 30 best suburbs for rentvesting

14 January 2023

MFAA calls for greater diversity to achieve growth

13 December 2022

Purple Circle adds another lender to its panel

9 December 2022

Non-bank lender Brighten preps $400m RMBS deal

25 November 2022

Open Borders: Why expats are a big opportunity for brokers

19 October 2022

Help your visa holder clients with foreign income to secure a mortgage

6 October 2022

Brighten comes home to resident lending in ongoing growth drive

3 October 2022

Brighten Home Loan partners with Finsure to bolster distribution

14 September 2022

Purple Circle launches white label loans suite

7 September 2022

Brighten launches home loans for expats

2 September 2022

BDM in the spotlight: Jay Allen

1 September 2022

Brighten unveils new mortgage for Australian expats

24 August 2022

Brighten offers new home loan product to expats

24 August 2022

Brighten Home Loans introduces new product for expats and Aussies returning home

24 August 2022

Brighten Home Loans joins outsource Financial’s lender panel

12 August 2022

Brighten joins another aggregator panel

10 August 2022

Brighten joins another aggregator panel

9 August 2022

Australian Mortgage Awards 2022 – Excellence Awardees revealed

8 August 2022

Brighten Home Loans donates over $80,000 to five charities

19 July 2022

Brokers beware: tax time is here

1 July 2022

Let’s Talk: How to be the hottest workplace in town

22 June 2022

In search of an even playing field

9 June 2022

First-home buyers fear being priced out

27 May 2022

First-home buyers fear being priced out

27 May 2022

Let’s get digital

11 April 2022

Brighten Home Loans enjoys lending, staff growth

25 March 2022

Beating the Bias: The Glass Ceiling effect and its impact on women in the workplace

8 March 2022

Health versus Career: The unsolved dilemma women face at work

8 March 2022

What could be done to encourage more women into broking?

8 March 2022

IWD2022: Top tips on running a successful mortgage business

8 March 2022

Brighten Home Loans appoints national sales manager

16 February 2022

Brighten Home Loans appoints national sales manager

16 February 2022

Brighten hires national sales manager

16 February 2022

Brighten Home Loans reshapes non-bank lending

27 January 2022

Non-bank lender sees high demand from the self-employed

27 January 2022

Broker head cycles 332 km to raise funds for suicide prevention

6 January 2022

Brighten named Inclusive Employer

29 December 2021

MoneyQuest partners with Brighten for new white label loan

17 December 2021

Brighten Home Loans earns inclusivity award

14 December 2021

Will “The Great Resignation” see demand for non-bank loans heighten?

30 November 2021

Brighten tech chief on broker pain points and tech solutions to human problems

22 October 2021

Brighten to Land at Home

21 October 2021

Brighten taps new technology chief

19 October 2021

Brighten Home Loans appoints new CTO

19 October 2021

CT becomes CTO at Brighten Home Loans

18 October 2021

Brighten names lending manager

1 September 2021

Brighten adds new role to credit team

31 August 2021

Brighten Home Loans appoints new lending manager

31 August 2021

Briefs: Suncorp launches hybrid, Brighten hires lending manager

31 August 2021

Brighten Home Loans aim to reduct turnaround times through Simpology partnership

25 August 2021

Brighten teams with mortgage tech

24 August 2021

The three biggest loan application mistakes

11 August 2021

Non-bank head of distribution looks to a greener future

5 August 2021

Brighten’s Mission to Reshape Non-Bank Lending

27 July 2021

A Place to Call Home

27 July 2021

Non-bank boosts ESG commitment

22 July 2021

The opportunity that every broker should leverage

17 July 2021

Brighten Home Loans MD rides for charity

14 July 2021

Making moves in the finance world

9 July 2021

Brighten’s star rises with Solaris nonresident RMBS debut

19 April 2021

Brighten creates white label channel role

8 April 2021

Brighten Home Loans managing director on the gender pay gap

11 March 2021

Non-bank lender commits to pay equity

8 March 2021

Non-bank recognised by government for work to eliminate gender pay gap

8 March 2021

Brighten appoints head of credit

11 February 2021

Brighten’s Stephen Murphy looks forward to the year ahead

20 January 2021

Brighten Home Loans unveils key appointment

8 December 2020

Home lending specialist joins Brighten Home Loans

8 December 2020

Non-banks urge revamp of TFF criteria

20 November 2020

Changing Gears

30 October 2020

Brighten | KangaNews

15 October 2020

Brighten’s growth focus

15 October 2020

BDM in the Spotlight: Jimmy Hou

6 October 2020

Non-banks team up

9 September 2020

Non-bank partners with LJ Hooker Home Loans

9 September 2020

Briefs: June quarter credit flow surprise, LJ Hooker partners with Brighten

9 September 2020

BDM in the Spotlight: Leo Liu

3 August 2020

BDM in the Spotlight: Mikai Ning

13 July 2020

BDM in the Spotlight: Kay Yang

1 June 2020

Broker on Broker

14 May 2020

Aggregator welcomes non-bank to panel

4 May 2020

Non-bank extends broker channel presence

4 May 2020

BDM in the Spotlight: Liwen Liu

27 April 2020

Home lender appoints head of distribution

17 April 2020

Non-bank names head of distribution

8 April 2020

Brighten Home Loans appoints industry veteran as Head of Distribution

8 April 2020

Non-bank appoints inaugural head of distribution

8 April 2020

Non-bank lender continues rise to prominence

31 January 2020

Brighten secures a $250 million funding facility

24 January 2020

Non-bank eyes prime space in new mortgage market push

22 January 2020

Niche Lender Plans To Go Prime

22 January 2020

Goldman lending deal to Brighten residential property push

19 January 2020

Non-bank lender set to rescue neglected borrowers

17 September 2018

Foreign-backed lender to target ‘orphaned’ borrowers

14 September 2018

Read more Media Articles

Discover a brighter future
with Brighten

Complimentary Assessment