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Specialist lending solutions for expats and non-residents, construction loans and reverse mortgages.

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Flexible solutions

Why choose Brighten by LMG?

Lending solutions for expats and non-residents buying in Australia, reverse mortgages for homeowners aged 55+, self-employed borrowers purchasing land or building homes, and a wide range of commercial lending needs.

Flexible solutions for complex situations
We look beyond standard criteria to support borrowers with unique circumstances.

Borrowing power that works for you
Our flexible approach may help you access more options than traditional lenders.

Support for larger or unique loans
From high-value loans to specialised property types, we consider a wide range of scenarios.

Solutions for every life stage
Whether you're building, investing, expanding or planning for retirement, we can support your next step.

Our loans

Residential Lending

Construction & Vacant Land loans

Build your home with flexible lending options.

✔ Borrow for land and construction in one solution

✔ Options for self-employed and non-standard income

✔ Interest-only payments during construction (eligible loans)

✔ Larger loan amounts available

Good fit if: You’re buying land or building a new home and need flexibility around income or loan structure. Bridging finance also available.

Expat and non-resident home loans

Buy or refinance property in Australia while living overseas.

✔ Lending options for Australian expats and non-residents

✔ Foreign income may be considered

✔ Available for purchase or refinance

✔ Flexible approach tailored to overseas circumstances

Good fit if: You live overseas, earn foreign income, or are a non-resident looking to purchase or refinance property in Australia.

Residential SMSF

Invest in residential property through your self-managed super fund.

✔ Lending solutions for eligible SMSF structures

✔ Available for property purchase or refinance

✔ Principal & interest and interest-only options available

✔ Flexible income verification options

Good fit if: You have an SMSF and want to invest in residential property as part of your long-term financial strategy.

Reverse Mortgage

Access the equity in your home while continuing to live in it.

✔ Available to homeowners aged 55 and over

✔ No mandatory regular repayments required, interest can compound.

✔ Lump sum or flexible drawdown options available

✔ Stay in your home while accessing funds, with repayment when you stop living there.

Good fit if: You’re aged 55 or over and want to use your home equity to support your lifestyle or future needs. 

Commercial Lending

Commercial Lending

Flexible funding for a wide range of commercial lending scenarios.

✔ Options for full doc, alternative income, lease doc and private lending

✔ Suitable for a variety of commercial property types

✔ Flexible approach for complex or non-standard situations

✔ Larger loan scenarios considered

Good fit if: You’re purchasing, refinancing or accessing equity in commercial property and need a more flexible lending solution.

Commercial SMSF

Invest in commercial property through your SMSF.

✔ Lending solutions for eligible SMSF structures

✔ Available for commercial property purchase or refinance

✔ Principal & interest and interest-only options available

✔ Suitable for a range of commercial property types

Good fit if: You have an SMSF and are looking to invest in commercial property as part of your investment strategy.

Talk to your broker to get started
Don’t have a broker? Find one here.

How it works

Launch your loan in 4 easy steps.

Talk to a broker
We’ll connect you with an LMG broker who understands your situation

Explore your options
They’ll help identify whether Brighten by LMG is right for you

Apply with confidence
Your broker supports you through the process

Move forward
If approved, we’ll help you settle and get started

Powered by giants

A partnership designed to make lending more flexible.

Brighten and LMG have partnered to deliver more adaptable lending solutions for customers with complex or non-standard needs. By combining Brighten’s specialist lending expertise with LMG’s extensive broker network, Brighten by LMG provides greater access to flexible loan options, supported by personalised guidance every step of the way.

Frequently Asked Questions

  • Brighten by LMG offers flexible lending solutions designed for customers whose financial situations may not fit standard lending criteria. Brighten by LMG offers borrowers a wide range of competitive loan products, including full doc, alt doc, expat, non-resident, bridging, construction, vacant land, SMSF, commercial and reverse mortgages.

  • Brighten by LMG takes a more flexible approach to assessing applications. This means Brighten by LMG may be able to consider a broader range of income types, property scenarios and borrowing needs than some traditional lenders.

  • Yes. Brighten by LMG products are available through an LMG broker, who will guide you through your options and the application process.

  • Simply speak with an LMG broker. They’ll review your situation and help determine whether a Brighten by LMG loan may be suitable for you.

  • Yes. Brighten by LMG offers flexible income verification options, including alternative documentation for eligible self-employed customers.

  • Yes. Brighten by LMG offers lending solutions for Australian expats and eligible non-residents, including those earning foreign income.

  • This depends on your situation, but may include proof of income, identification, and details of the property. Your broker will guide you through exactly what’s required for a Brighten by LMG application.

  • Yes. Brighten by LMG offers construction and land loans for customers looking to buy land or build a new home, with flexible options depending on your circumstances.

  • Yes. Brighten by LMG supports expats and non-residents looking to purchase or refinance Australian property, including consideration of foreign income (subject to eligibility).

  • A Brighten by LMG SMSF loan allows you to purchase or refinance an investment property through your self-managed super fund, subject to eligibility and structure requirements.

  • A Brighten by LMG reverse mortgage allows eligible homeowners aged 55 and over to access the equity in their home without needing to make regular repayments. Interest compounds each month, with total loan only payable when the last borrower ceases to reside in their home - usually when they sell, move out of the property into aged care or in with family, or pass away.

  • There are no mandatory regular repayments with a Brighten by LMG reverse mortgage, although you can choose to make them if you wish.

  • Brighten by LMG offers a range of commercial lending solutions, including full doc, alternative income verification, lease doc and private lending options.

  • Brighten by LMG may consider a wide range of commercial property types, including offices, warehouses, retail premises and more specialised properties.

  • Yes. Brighten by LMG offers commercial SMSF lending solutions for eligible customers looking to invest in commercial property through their super fund.

  • Loan amounts with Brighten by LMG vary depending on the product and your individual circumstances. Your broker can help assess your borrowing capacity.

  • Depending on the Brighten by LMG loan, you may have access to principal and interest or interest-only repayment options.

  • Yes. Brighten by LMG may consider a range of income types, including alternative documentation for eligible borrowers.

  • Your broker will manage your Brighten by LMG application, keep you informed, and support you through to approval and settlement.

  • Yes. Your broker will guide you through every step of your Brighten by LMG application, from understanding your options through to settlement.

  • Credit Assistance for Brighten by LMG products is provided by LMG Aggregation Lenders Pty Ltd ACN 646 269 838 (Credit Representative Number 528750) as appointed credit representative of eMOCA Pty Ltd ACN 646 269 838 (Australian Credit Licence 390312), and PLAN Aggregation Lenders Pty Ltd ACN 646 269 810 (Credit Representative Number 528891), Choice Aggregation Lenders Pty Ltd ACN 646 269 641 (Credit Representative Number 528892) and FAST Aggregation Lenders Pty Ltd ACN 646 269 669 (Credit Representative Number 528893) as appointed credit representatives of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237). Credit for Brighten by LMG residential loans are provided by Brighten Home Loans Pty Ltd ACN 620 839 983 and are managed and serviced under Brighten Financial Pty Ltd ACN 628 356 669, Australian Credit License 512386. Brighten Commercial Pty Ltd ACN 625 549 126 is the provider of Brighten by LMG commercial loans. The Brighten by LMG information in this document was prepared and issued by Brighten in consultation with LMG.