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Non-bank lender continues rise to prominence

Publication Date: Friday, 31 January 2020
This article originally appeared in Mortgage Professional Australia

Fresh off securing a $250 million funding facility, Brighten continue to make waves in the finance world as they achieve impressive targets in their relative infancy that would often be the envy of a number of their competitors.

MPA had the opportunity to sit down with Brighten’s Scott Kelly to discuss the company’s rise to prominence since their inception in 2017.

“Brighten is an Australian owned, Australian based and Australian regulated non-bank lender whose loans are fully funded by multiple sources of institutional capital,” Kelly said.

“Brighten has an initial product offering including home loans to non-residents of Australia and Australian residents with income from abroad.

“We have recently secured another $250 million tranche of funding though a warehouse facility with Goldman Sachs, and we are now expanding into the Prime, Near Prime and Alt Doc lending segments for our next stage of rapid growth.”

Kelly alluded to the reasons behind such rapid growth since Brighten’s founding in 2017, and outlined their plans to ensure their results are maintained.

“We are on track to hit our target of a $2 billion loan book in two years,” he said.

“Given the existing infrastructure and distribution networks in place, along with the introduction of new lending products tailored to specific client demand, we expected continued strong growth in 2020.”

To capitalise on those areas of growth, Kelly said he sees significant opportunities in the non-bank space, particularly as majors and other ADI’s have pulled back from certain lending activities.

“In 2020, we expect to launch our Prime, Near Prime and Alt Doc lending products in support of achieving our $2 billion loan book target in the medium term,” he said.

Kelly noted that Brighten’s involvement with brokers is an extensive one, and he spoke in-depth about how that relationship continues to only get stronger.

“At Brighten we value long term partnership and we strive to become a reliable and credible partner to our brokers,” he said.

“We believe we can not only deliver great lending products for their clients but also help them grow other parts of their business – this is a significant point of difference for us.

“Brighten currently has a network of 400 brokers and we expect to make an announcement regarding aggregator partnerships in coming weeks which will further expand our distribution networks, and we will continue to actively recruit and invest into the growth of our broker and aggregator networks.”

That confidence in garnering important business and clientele relationships stems from Brighten’s point of difference, which Kelly believes is their ability to compete through a combination of a streamlined product offering, simple and competitive pricing structure, along with a superior service proposition assisted through their enhanced technology platform.

“Additionally, most brokers are looking to expanding into other areas such as investment and wealth management – that’s something we can definitely help them with which re-enforces our partnership over the longer term,” he said.




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


Jakie, 铂腾注册贷款经理人



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