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Brighten | KangaNews

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

SIZE OF LOAN BOOK: A$500M
MAKEUP OF LOAN BOOK: RESIDENTIAL MORTGAGES: 100%
GEOGRAPHIC DISTRIBUTION OF LOAN BOOK: AUSTRALIA: 100%
OUTSTANDING DEBT ISSUANCE: WAREHOUSE FACILITIES: A$750M CREDIT FUND: A$180M

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.

客户和合作伙伴对我们的评价

给客户解释清晰、办理速度快、服务态度亲和

Jun,

我的BDM Mikai Ning从我第一次认识她到现在有两年多的时间,非常的专业、超高效,很耐心的聆听和讲解我的每一个问题,即便是在她怀孕期间也专门嘱咐我“不要紧,有问题尽管问,看到一定及时回复”。态度永远超级nice!和她沟通总是让人感到轻松和愉快!我做贷款这么多年,Mikai是我最喜欢的BDM没有之一!我要给她120分的好评

Lulu, 铂腾注册贷款经理人

对Mikai Ning超级好评,她不仅业务娴熟,而且对工作认真负责及时答复无无论是任何时间都会及时回复。节假日有问题咨询也能做到及时回复。对broker超级有耐心和负责,我们非常喜欢和支持Mikai Ning和Brighten!

Fan, 铂腾注册贷款经理人

Brighten的BDM Liwen给我留下了深刻的印象,无论是policy和product方面的扎实度,还是在贷款环节中的任何一个小问题,Liwen总是在第一时间及时给出帮助。Brighten一直给我很好的体验,好的利息和好的BDM和好的credit team,让我总是在第一时间把Brighten产品作为推介给客户的首选

Jinkai, 铂腾注册贷款经理人

Mikai 是一个积极主动,工作能力强,并且拥有良好的交际技能的人。我们和Mikai的合作十分的顺利,希望能和Brighten保持这样良好的合作关系。

Alan, 铂腾注册贷款经理人

我的BDM Leo Liu 在产品方面的介绍为我提供了很大的帮助。 我期待与Brighten和Leo Liu建立更好的合作关系。

Anthony, 铂腾注册贷款经理人

Mikai 是我们的BDM 她很负责任. 能及时的回复我们的问题 如果有policy的update 她也是尽可能的除了email 之外 电话或者message给我们. 确认我们能收到 了解这些变化. 以确认我们能更好的为客人服务. 非常感谢长期以来对我们broker的支持。

Terry, 铂腾注册贷款经理人

非常便捷,利率也比较亲民,铂腾房贷解决了海外客户贷款难题;感谢BDM Mikai 的大力支持。

Yuhui, 铂腾注册贷款经理人

我要表扬并且感谢BDM-刘丽雯Liwen。她一直以来很负责,对每一个我的递交的申请都很负责,并很耐心的帮助每一个客人提出的麻烦的要求。最后都有效的解决了,并且让客人也很满意。她也非常专业,经常能给出有效可靠的建议帮助我们broker。是个很好的BDM。谢谢。

Jakie, 铂腾注册贷款经理人

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