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Welcome to

Allium Money.

Your property dream made simple, with a competitive, tailored home loan from an Australian lender that works for you.

Why choose Allium Money?

Superior Product Offering

Comprehensive offering for every purpose – Purchase, Refinance, Equity Release and Construction

Fast Turnaround Times

Fast turnaround times supported by a proprietary loan processing platform

Diverse & Resilient Funding

Our loans are fully funded by multiple sources of institutional capital including top tier international banks.

Better Service Proposition

Our experienced, multilingual team are available when you need them to help you navigate your home loan journey.

Application Assessed on Merits

We assess each application on its own merits – not a ‘tick-box’ approach

Environmental, Social & Governance

Good governance, social responsibility and sustainability are key pillars of our culture.

Services available through your online account.

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Make additional payments & withdraw funds

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Our Home Loan Products.

Loan Purchase:Suitable Borrowers:Max. LVR:Max. Loan Size:
Full DocPurchase
Refinance
Equity release		Salaried employees
Self-employed persons		95% (Inclusive LMI)$2,000,000
Alt DocPurchase
Refinance
Equity release		Prime and Near Prime Self-employed persons80%$2,000,000
ExpatriatePurchase
Refinance
Equity release		Australian Citizen or PR with income in an acceptable foreign currency
Australian TR with income in AUD or an acceptable foreign currency		80%$2,000,000
Non-ResidentPurchase
Refinance
Equity release		Australian Citizen or PR with income in an acceptable foreign currency
Australian TR with income in AUD or an acceptable foreign currency		80%$2,000,000
PremiumPurchase
Refinance
Equity release		Australian 188B/C or 888B/C Visa holders80%$2,000,000
Full Doc / Alt Doc ConstructionConstruction loans with progress paymentsSalaried employees
Self-employed persons		80%$1,500,000
Non-Resident ConstructionConstruction loans with progress paymentsSalaried employees
Self-employed persons
Australian residents, temporary and non-residents		70%$900,000

Need help?

Contact our Customer Care team

13 14 88
[email protected]

Brighten

www.brighten.com.au  |  Privacy Policy  |  Terms & Conditions

Full Doc home loans for Prime and Near Prime PAYG and self-employed borrowers

Loan purpose:
Owner occupied or investment property:

PurchaseRefinanceEquity Release

Suitable borrowers:
Prime and Near Prime:

Salaried EmployeesSelf-employed
Repayment typesPrincipal and interestInterest only (up to 5 years)
Interest rate typesVariable rate
Loan sizeMin $50,000Max $2,000,000
Maximum LVR95% (Inclusive LMI)
Max Loan TermUp to 30 years
Repayment methodDirect Debit, BPAY, Pay anyone

Acceptable security:
Category 1,2 and 3 Postcodes:

ApartmentsTownhousesHouses
Online AccessThrough the Brighten Home Loans portal

Competitive Alt Doc home loans for Prime and Near Prime self-employed borrowers

Loan purpose:
Owner occupied or investment property:

PurchaseRefinanceEquity Release

Suitable borrowers:
Prime and Near Prime:

Salaried EmployeesSelf-employed
Repayment typesPrincipal and interestInterest only (up to 5 years)
Interest rate typesVariable rate
Loan sizeMin $50,000Max $2,000,000
Maximum LVR95% (Inclusive LMI)
Max Loan TermUp to 30 years
Repayment methodDirect Debit, BPAY, Pay anyone

Acceptable security:
Category 1,2 and 3 Postcodes:

ApartmentsTownhousesHouses
Online AccessThrough the Brighten Home Loans portal

Full Doc home loans for Australian citizens or permanent residents with income in an acceptable foreign currency, or Australian temporary residents (with an acceptable Australian Visa) with income in AUD or an acceptable foreign currency.

Loan purpose:
Owner occupied or investment property:

PurchaseRefinanceEquity Release

Suitable borrowers:
Prime:

Australian citizens or permanent residents with income in an acceptable foreign currencyAustralian temporary residents (with an acceptable Australian Visa) with income in AUD or an acceptable foreign currency
Repayment typesPrincipal and interestInterest only (up to 5 years)
Interest rate typesVariable rate
Loan sizeMin $50,000Max $2,000,000
Maximum LVR95% (Inclusive LMI)
Max Loan TermUp to 30 years
Repayment methodDirect Debit, BPAY, Pay anyone

Acceptable security:
Category 1,2 and 3 Postcodes:

ApartmentsTownhousesHouses
Online AccessThrough the Brighten Home Loans portal

Competitive residential home loan also available to Non-Residents of Australia

Loan purpose:
Owner occupied or investment property:

PurchaseRefinanceEquity Release

Suitable borrowers:
Australian residents, temporary and non-residents:

Salaried EmployeesSelf-employed
Repayment typesPrincipal and interestInterest only (up to 5 years)
Interest rate typesVariable rateFixed rate for 1 to 3 years
Loan sizeMin $50,000Max $2,000,000
Maximum LVR95% (Inclusive LMI)
Max Loan TermUp to 30 years
Repayment methodDirect Debit, BPAY, Pay anyone

Acceptable security:
Category 1,2 and 3 Postcodes:

ApartmentsTownhousesHouses
Online AccessThrough the Brighten Home Loans portal

Full Doc home loans for Australian 188B/C or 888B/C Visa holders

Loan purpose:
Owner occupied or investment property:

PurchaseRefinanceEquity Release

Suitable borrowers:
Prime:

Australian 188B/C or 888B/C Visa holders
Repayment typesPrincipal and interestInterest only (up to 5 years)
Interest rate typesVariable rate
Loan sizeMin $50,000Max $2,000,000
Maximum LVR80%
Max Loan TermUp to 30 years
Repayment methodDirect Debit, BPAY, Pay anyone

Acceptable security:
Category 1 Postcodes:

ApartmentsTownhousesHouses
Online AccessThrough the Brighten Home Loans portal

House and Land construction loans with progress payments.

Loan purpose:
Owner occupied or investment property:

House and Land construction loans with progress payments.

Suitable borrowers:
Prime and Near Prime:

Salaried EmployeesSelf-employed
Repayment typesDuring Construction: Interest OnlyAfter Construction: Principal and Interest or Interest Only(up to 5 years)
Interest rate typesVariable rateFixed rate for 1 to 3 years.
Loan sizeMin $50,000Max $2,000,000
Maximum LVR95% (Inclusive LMI)
Max Loan TermUp to 30 years
Repayment methodMonthly repayments by direct debits
Online AccessThrough the Brighten Home Loans portal

Small and Medium Enterprises (SME) Guarantee Scheme

The Scheme will enhance lenders’ willingness and ability to provide credit and will be available for new loans made by participating lenders until 30 September 2020.

The Government will provide eligible lenders with a guarantee of 50% per cent of new loans. Some generic terms are:

  • Businesses with a turnover of up to $50 million.

  • Maximum total size of loans of $250,000 per borrower.

  • Loans will be up to three years, with an initial six month repayment holiday.

  • Unsecured finance, meaning that borrowers will not have to provide an asset as security for the loan.

Reduced Interest Rates

Consider your current banking arrangements. The Reserve Bank has recently reduce the cash rate and lenders have passed this on to various loans they have.

Instant Asset Write Off

An increase in the instant asset write-off threshold from $30,000 to $150,000 30 June 2020.

Deferment of Loan Repayments for up to 6 Months

The banks are developing their own approach as to how to deal with requests from their clients for repayment holidays. Some are automatically granting the request, others are assessing the requests individually.