{"id":16424,"date":"2025-06-30T17:04:40","date_gmt":"2025-06-30T07:04:40","guid":{"rendered":"https:\/\/brighten.com.au\/resources\/media-centre\/inside-brightens-rise-as-the-non-bank-lender-of-choice\/"},"modified":"2025-06-30T17:04:40","modified_gmt":"2025-06-30T07:04:40","slug":"inside-brightens-rise-as-the-non-bank-lender-of-choice","status":"publish","type":"media-centre","link":"https:\/\/brighten.com.au\/zh-hant\/media-centre\/inside-brightens-rise-as-the-non-bank-lender-of-choice\/","title":{"rendered":"Inside Brighten\u2019s rise as the non-bank lender of choice"},"content":{"rendered":"\n

Publication Date: Monday, 30 Jun 2025
This article originally appeared in\u00a0Australian Broker<\/a><\/em>.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Before launching a new product, updating policies or rolling out a digital tool, non-bank lender Brighten does something radical: it talks to brokers. Not to sell. Not to incentivise. But to listen. The result? A solution-based lender built for brokers.\u00a0<\/p>\n\n\n\n

At a time when some lenders are narrowing their focus or relying solely on automation, Brighten is taking a different route \u2013 building breadth into its offerings while ensuring brokers and customers feel heard and supported.\u00a0<\/p>\n\n\n\n

\u201cWe actively engage brokers in monthly surveys and receive a high response rate,\u201d says Jason Azzopardi, Brighten\u2019s CEO. \u201cWe then go back to brokers and understand their wants and needs \u2013 and then build that into our go-forward strategy.\u201d\u00a0<\/p>\n\n\n\n

By blending personalised service with a robust digital backbone, Brighten has managed to stand out in an industry often defined by a tick-box approach. With a comprehensive suite of loan products for everyone from small business owners to savvy property investors, the lender has aggressively expanded its reach, adding thousands of brokers to its platform. Behind this growth is a clear strategy: invest in technology that makes the brokers\u2019 jobs easier, listen carefully to their feedback and never lose sight of the human element that underpins trust in financial services. <\/p>\n\n\n\n

\u201cWhat sets us apart is we have a solution for every Australian \u2013 whether you\u2019re building your investment property portfolio or your dream home, whether you\u2019re a self-employed individual or an expat living overseas\u201d<\/p>\n\n\n\n

One-stop shop<\/strong><\/p>\n\n\n\n

At the heart of Brighten\u2019s growth strategy lies product diversity. \u00a0<\/p>\n\n\n\n

\u201cWhat sets us apart is we have a solution for every Australian \u2013 whether you\u2019re building your investment property portfolio or your dream home, whether you\u2019re a self-employed individual or an expat living overseas, we have a product designed for you,\u201d says Azzopardi. \u00a0<\/p>\n\n\n\n

To support its broad customer base, Brighten has continued to expand and refine its product suite.\u00a0<\/p>\n\n\n\n

\u201cWe\u2019ve introduced a vacant-land product for buyers wanting to lock in land availability in competitive markets or families securing land today with plans to build when they\u2019re ready.\u201d\u00a0<\/p>\n\n\n\n

The lender hasn\u2019t stopped at residential home loans. Azzopardi highlights Brighten\u2019s recent expansion into markets many competitors haven\u2019t fully addressed.\u00a0<\/p>\n\n\n\n

\u201cWe\u2019ve gone into the commercial sector with dedicated products for people who want to buy factories for their businesses or other commercial properties,\u201d he adds. \u201cWe\u2019ve introduced Brighten Lift\u00ae \u2013 a short-term asset lending product, which requires no income documentation, making it accessible for SMEs seeking fast, hassle-free funding.\u201d\u00a0<\/p>\n\n\n\n

Technology as the enabler<\/strong><\/p>\n\n\n\n

While product range creates appeal, Brighten\u2019s technological infrastructure is the foundation for its service delivery model. The company has invested significantly in systems that streamline processes for brokers and end customers.\u00a0<\/p>\n\n\n\n

\u201cWe\u2019ve upgraded our broker portal, allowing them to track deals from application through to settlement in real time,\u201d says Azzopardi. \u201cDon\u2019t worry about calling us, don\u2019t worry about emailing us; a simple login to our cloud-based platform which we built in-house on Salesforce, and brokers have visibility.\u201d\u00a0<\/p>\n\n\n\n

This focus on reducing friction points led to the implementation of NextGen\u2019s ApplyOnline\u00ae, a platform widely used in the Australian mortgage market.\u00a0<\/p>\n\n\n\n

\u201cWe recognised that gap in our service offering to brokers, and in our never-ending quest to be easy to deal with, we partnered with NextGen in November last year,\u201d Azzopardi notes.\u00a0<\/p>\n\n\n\n

Brighten has also developed customer-facing technology with the same commitment to simplicity and efficiency.\u00a0<\/p>\n\n\n\n

\u201cWe\u2019ve also upgraded our service portal that customers use post-settlement,\u201d Azzopardi says. \u201cThe new portal has many more features to provide a seamless experience.\u201d <\/p>\n\n\n\n

Balancing human and digital elements<\/strong><\/p>\n\n\n\n

Azzopardi emphasises that relationships are at the core of Brighten\u2019s operations.\u00a0<\/p>\n\n\n\n

\u201cBrighten\u2019s success has always been built on our people,\u201d he states. \u201cThe team we\u2019ve assembled is market-leading in terms of broker relationships and service.\u201d\u00a0<\/p>\n\n\n\n

The human element provides expertise that technology alone cannot deliver, particularly when handling complex lending scenarios.\u00a0<\/p>\n\n\n\n

\u201cWe\u2019re going to launch our SMSF product this year. With that, there won\u2019t be another lender in Australia that has a product Brighten doesn\u2019t offer\u201d<\/p>\n\n\n\n

\u201cOur credit team in Sydney is thoroughly experienced in complex issues, which means they can help brokers get deals across the line,\u201d says Azzopardi. \u201cOur BDMs across Australia are very responsive to brokers and are a key pillar of Brighten\u2019s success.\u201d\u00a0<\/p>\n\n\n\n

This emphasis on personal connections and expertise doesn\u2019t contradict Brighten\u2019s focus on technological advancement; instead, Azzopardi sees technology as amplifying human capabilities.\u00a0<\/p>\n\n\n\n

\u201cAll our teams are backed by technology. Our strategy is to use technology as an enabler,\u201d he explains. \u201cIt helps us operate more efficiently and deliver better responses to our customers.\u201d\u00a0<\/p>\n\n\n\n

With brokers originating over 75% of home loans in Australia<\/u><\/a>, Brighten has designed its business model to ensure minimal friction when they use the lender\u2019s products and technology. <\/p>\n\n\n\n

\u201cWe\u2019re continuing to invest in our core technology to sustainably scale the business to deliver Brighten\u2019s mantra to be easy to deal with,\u201d Azzopardi says. \u201cWe\u2019re doing that very strategically to ensure we\u2019re providing the greatest benefit to our customers and our broker partners.\u201d\u00a0<\/p>\n\n\n\n

More partnerships and new products in the works<\/strong><\/p>\n\n\n\n

The company\u2019s growth trajectory includes expanding broker access through strategic partnerships.\u00a0<\/p>\n\n\n\n

Earlier in the year, Brighten\u00a0joined Mortgage Choice\u2019s lending panel<\/u><\/a>\u00a0\u2013 and there are more partnerships under discussion. \u00a0<\/p>\n\n\n\n

\u201cWe\u2019re going to continue expanding into the broker network through national aggregator partnerships. Product development is also going well,\u201d Azzopardi says.\u00a0<\/p>\n\n\n\n

\u201cWe\u2019re going to launch our SMSF product this year. With that, there won\u2019t be another lender in Australia that has a product\u00a0Brighten doesn\u2019t offer,\u201d he says. \u201cSMSF lending has a reputation as difficult to understand, which is exactly why Brighten\u2019s \u2018easy-to-deal-with\u2019 approach will have extra value for brokers.\u201d\u00a0<\/p>\n\n\n\n

Azzopardi says this comprehensive approach to product development aligns with the company\u2019s goals for continued expansion.<\/p>\n\n\n\n

\u201cThere\u2019s a lot of innovation, whether it be technology, product or people. We\u2019re very excited about building on the pillars we have so far and continuing to grow into the future.\u201d\u00a0<\/p>\n\n\n\n

The company\u2019s growth is a product not just of algorithms and APIs but of a very human kind of intelligence: knowing how to listen. <\/p>\n","protected":false},"excerpt":{"rendered":"

Before launching a new product, updating policies or rolling out a digital tool, non-bank lender Brighten does something radical: it talks to brokers. Not to sell. Not to incentivise. But to listen. The result? 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