{"id":6118,"date":"2018-09-17T08:00:36","date_gmt":"2018-09-17T08:00:36","guid":{"rendered":"https:\/\/brighten.com.au\/resources\/media-centre\/non-bank-lender-set-to-rescue-neglected-borrowers\/"},"modified":"2022-03-28T14:26:36","modified_gmt":"2022-03-28T03:26:36","slug":"non-bank-lender-set-to-rescue-neglected-borrowers","status":"publish","type":"media-centre","link":"https:\/\/brighten.com.au\/zh-hant\/media-centre\/non-bank-lender-set-to-rescue-neglected-borrowers\/","title":{"rendered":"Non-bank lender set to rescue neglected borrowers"},"content":{"rendered":"\n

Publication Date: Monday, 17 September 2018
This article originally appeared in Your Mortgage Australia<\/a><\/em>
<\/p>\n\n\n\n

Non-bank lender Brighten Home Loans recently disclosed that it had successfully secured $500 million worth of funding, which will be used to expand its loan book to $2 billion in the next two consecutive years.<\/p>\n\n\n\n

Brighten Home Loans is focusing on Australian borrowers that have been \u201corphaned\u201d by banks because of stricter lending policies and credit restrictions.<\/p>\n\n\n\n

Part of the lender’s plan, according to its Business Development manager Mikai Ning, is also to build on its broker networks and hire more people to handle \u201csignificantly increased demand.\u201d<\/p>\n\n\n\n

Attracting brokers to their turf, Ning noted that the lender provides these professionals with a channel boasting of a greater clarity regarding loan approvals.<\/p>\n\n\n\n

\u201cWe advertise our borrowing criteria and stick to it,\u201d she added.<\/p>\n\n\n\n

\u201cWe can be relied on to lend to broker customers who meet our criteria and we will never suddenly turn around to a broker and say, \u2018Sorry, we now can\u2019t fund your loan.\u2019\u201d<\/p>\n\n\n\n

Moreover, customers\u2019 satisfaction is expected, thanks to rates that are lower compared to the Australian banks that have recently raised rates.<\/p>\n\n\n\n

Ning highlighted Brighten would allow non-residents to borrow up to $2 million for a 30-year home loan at a maximum 80% loan-to-value ratio (LVR), on a principal and interest (P&I) or interest-only (IO) basis.<\/p>\n\n\n\n

\u201cThe lender also offers an introductory variable rate for a non-resident P&I loan on completed property of 4.99% and 5.39% for an IO loan,\u201d Mortgage Business added.<\/p>\n\n\n\n

Brighten Home Loans is a subsidiary of Real Asset Management (RAM) and is known for funding home and construction loans for non-resident borrowers from Asia.<\/p>\n","protected":false},"excerpt":{"rendered":"

Non-bank lender Brighten Home Loans recently disclosed that it had successfully secured $500 million worth of funding, which will be used to expand its loan book to $2 billion in the next two consecutive years.<\/p>\n","protected":false},"author":1,"featured_media":5535,"menu_order":0,"template":"","meta":{"_acf_changed":false},"categories":[26],"tags":[],"class_list":["post-6118","media-centre","type-media-centre","status-publish","has-post-thumbnail","hentry","category-26"],"acf":[],"yoast_head":"\nNon-bank lender set to rescue neglected borrowers | Brighten<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/brighten.com.au\/media-centre\/non-bank-lender-set-to-rescue-neglected-borrowers\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Non-bank lender set to rescue 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