- +61 426 819 517
- rick@lendbright.com.au
Your perfect loan is just a step away with Lend Bright
We will compare home loan products from a wide range of lenders from our panel to help you secure a product that will suit your needs
Get a Perfect Plan for yourself
We will compare home loan products from a wide range of lenders from our panel to help you secure a product that will suit your needs
What We Offer
In today’s market, there are countless loan products to choose from, and our role is to assist you in finding the perfect fit for your specific requirements and financial capacity.
Whether you need a loan for a residential property, an investment, a commercial project, or for your business or SMSF, we have the knowledge and tools to help you navigate the diverse range of options available to you.
- First Home Buyer
- Refinancing
- Investment Loans
- SMSF Loans
- Business Loans
- Low doc Loans
- Car loans
- Personal loans
- Truck loans
- Equipment loans
Our Mortgage Broker
Rick Meghani is the founder of Lend Bright, bringing a wealth of experience to the finance industry since 2017. His extensive background has provided him with a solid foundation in financial services, enabling him to develop innovative solutions and foster strong client relationships. Under his leadership, Lend Bright has become a trusted name in the industry, committed to delivering exceptional value and service.
Why choose us?
Hassle-Free Application
Say goodbye to mountains of paperwork and long waiting times. Our streamlined online application process ensures a stress-free experience from start to finish. Just a few clicks, and you'll be on your way to homeownership!
Extensive Loan Options
We understand that every dream home is unique. That's why we offer a wide range of loan options tailored to suit your specific needs. Whether you're a first-time buyer, self-employed, upgrading to a bigger home, or refinancing your current mortgage, we have the perfect loan for you.
Competitive Rates
At Lend Bright, we believe that homeownership should be affordable. That's why we work tirelessly to secure the most competitive rates in the market. Our team will help you find the loan that fits your budget and ensures long-term financial stability.
What will the home loan process involve?
1. Get Started
Begin your home loan journey with us.
2. Pre-Qualification
Before you start house hunting, it’s beneficial to get prequalified for a loan. Our online pre-qualification form is quick and easy to complete. Provide some basic financial information, and we’ll assess your eligibility based on factors like your income, credit score, and debt-to-income ratio. This step gives you an estimate of the loan amount you may qualify for.
3. Loan Selection
With Lend Bright, you have access to a wide range of loan options from our extensive network of lenders. We will compare options for you and shortlist the ones that best match your needs.
4. Application Submission
we will submit the application for you. You may need to provide documents such as pay slips, bank statements, tax returns, and identification.
5. Settlement
once approved by your chosen lender, our team will ensure a smooth settlement.
“Our expert will carefully assess your unique financial situation to recommend a loan that is tailored to your specific needs.”
About Lend Bright
Lend Bright helps people with a variety of financial needs, whether they are looking to refinance, purchase homes or invest in residential property. Our solutions are popular not only with PAYG borrowers, but also self-employed borrowers who require alternative ways to prove their income, and residential property investors with complicated income streams.
Our Core Priority
1.
Simple
Home loans are complicated. We make them simple.
2.
Choice
Choose from 25+ lenders to access better rates and more features
3.
Convenience
Our technology makes it easy. No paperwork, just apply online.
4.
You first
We work for you, not the lender. We act in your best interest.
5.
Expert Support
We keep you updated on your loan and we're available 24/7.
Some Of The Lenders We Work With
Extensive Lender Network
We have curated a diverse network of 30+ lenders, ensuring you have a wide range of options to choose from. Our lenders are reputable, trusted, and compete to offer you the most competitive rates and terms available in the market.
Refinancing
Tailored Refinancing Strategies
We understand that every homeowner’s situation is unique. Our skilled team will work closely with you to understand your goals, whether it’s lowering your interest rate, consolidating debt, accessing equity, or reducing your monthly payments.
Access to Top Lenders
As a reputable refinancing broker, we have cultivated relationships with a wide network of reputable lenders. This enables us to present you with a variety of competitive loan options to choose from.
Transparent Assessment
Our commitment to transparency means you’ll receive a clear and unbiased assessment of the benefits and potential costs associated with refinancing. We’ll provide you with all the information you need to make an informed decision.
Simplified Process
Refinancing can sometimes seem overwhelming, but with Wise Refinance Solutions, the process is streamlined and stress-free. We’ll handle the paperwork, negotiations, and communication with lenders, leaving you to enjoy the benefits.
Long-term Relationship
Our goal isn’t just to help you with your current refinancing needs. We’re here to build a long-term relationship and assist you with your future refinancing endeavors as your financial situation evolves.
Experts at your service.
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FAQs
Here are some FAQs about applying for a home loan with Lend bright
You will need to have documents supporting your current financial position such as recent bank statements, payslips or other proof of income, personal identification and a snapshot of your current asset and liability position.
- For PAYG applicants we require two current payslips plus one of the following:
- Most recent group certificate
- Most recent tax return / taxation notice
- Current letter of employment
- Bank statements – to confirm last 3 months salary credits
For Self-Employed applications we need your last two years Tax Returns, two years Tax Assessment Notice and & last 1 month’s business bank statements. If you are self-employed and unable to provide this documents, you may still qualify for an alternative documentation (alt doc) loan.
On some of our loans, we offer finance up to 95% of the purchase price, meaning you can start to look at buying a house once you’ve saved at least 5% of the purchase price. The deposit amount may also depend on the property and area you’re looking at purchasing.
Remember, there can be extra costs involved when buying a house. You’ll need to cover government and legal fees, which can’t be added to your home loan balance.
The interest rate offered, and fees and charges will depend on our assessment of a number of factors at the time of application including:
- The size of your deposit
- Nature of the security property
- Loan to value ratio (LVR)
- Your income
- Credit history
- Any assets you own
- Any liabilities or credit obligations
- Chosen repayment type – paying off interest-only, or principal and interest
- The purpose of the loan – if it’s for an owner-occupier or investment property
- The risk loading will apply for the loan term.
To get an indicative interest rate speak you can start by using our online borrowing power calculator, or speak to one of our Lending Specialists on 0426819517
Lend Bright Home Loan Journey can take up to six weeks – this is the typical timeframe for a home purchase, however the process may be quicker if all the necessary documentation is provided sooner.
Delays in decisions are often caused by incorrect or missing documentation.
To learn more about Lend Bright Home Loan application process, click here or for more information speak to a Lending Specialists on 0426819517
While a high credit score might help you get a rock-bottom interest rate, it may still be possible to apply for a home loan with a less-than-perfect credit score. While some banks often prefer to lend to those with a perfect credit history and high credit score, we take a real-life approach to lending and look beyond just your credit score to see what we can do to help. .
We give you the flexibility to choose between a fixed, a variable rate, or both, on your home loan.
Fixed interest rate
A fixed interest rate home loan simply means that you ‘fix’ the interest rate at whatever the rate is at the time of settlement for a set term (2, 3, 5, 7 or 10 years). That means your interest rate and payments will remain the same over that period, regardless of any increases or decreases to interest rate changes.
Lend Bright fixed rate home loan may suit borrowers looking for:
- The certainty of fixed repayments
- Ability to break fixed rate with no break cost
- Unlimited additional repayments allowed without penalty (no redraw available)
Available for purchases, refinances, debt consolidation or cash out for investment or personal purposes
No. Lend Bright is 100% free to use for all Australians. Our mission is to help you get a great home loan and pay it off faster, so we make sure you don’t pay a cent to use Lend Bright.
No. Whilst our speciality is home loans, you don’t have to have one to start benefiting from a little Lend Bright. You might be a first home buyer looking to own your first dream home – our brokers will get to know your situation, and then guide you through the home buying process.
Or you might simply want to save smarter by connecting your bank accounts to the Lend Bright app to receive personalised insights. We’ll always be here if you want to talk home loans, but absolutely no pressure if you don’t.
While a high credit score might help you get a rock-bottom interest rate, it may still be possible to apply for a home loan with a less-than-perfect credit score. While some banks often prefer to lend to those with a perfect credit history and high credit score, we take a real-life approach to lending and look beyond just your credit score to see what we can do to help. .
Income
- Last 2 pay slips showing YTD balances with employer ABN
- Last financial year PAYG Summary
- Income Statement – Available form my gov
- Individual Tax Return
- Notice of Assessment
- Salary Sacrifice Letter (if applicable)
Statement of Position
- HECS Debt (if applicable)
- Rate Notices for any properties owned
- Superannuation statements
Identification – 100Points
- Licence = 40 points
- Passport or Birth Certificate =70points
- Evidence of Residency
- Medicare Card
Documents to Provide for Self-employed Trading as a Sole Trader or a Partnership
- Last 2 years Individual tax returns
- Last 2 years notice of assessment
- Last 6 mths statements for the trading bank account
- Current integrated ATO Portal statement
Trading as a Company
- Last 2 years Company/business financials (Profit and loss, balance sheet)
- Last 2 years Company tax returns
- Last 2 years individual tax returns for the director
- Last 2 years notice of assessment for the director
- Last 12 months BAS statements for the trading company
- Current integrated ATO Portal statement for the trading company
- Last 6 mths statements for the trading bank account
Trading through a Trust
- Last 2 years trust financials (Profit and loss, Balance sheet)
- Last 2 years trust tax returns
- Last 2 years individual tax return for the borrower/director
- Last 2 years notice of assessment for the borrower/director
- A certified copy of the trust deed
- Last 12 months BAS statements for the trading company
- Current integrated ATO Portal statement for the trading entity
- Last 6 mths statements for the trading bank account
Statement of Position
- Last 3 months statements from personal transaction accounts
- Last 6 months home loan statements for home loans being refinanced
- Evidence by way of bank statements showing 5% genuine savings
- Evidence by way of bank account showing funds to complete for any purchase
- Last Credit Card Statement for all credit cards
- Bank Statements for any other liabilities current within one month -car, personal, zip pay
- HECS debt
- Rates notices for any properties owned
- COS Fully executed by vendor and purchaser
- Construction Contract – Contract – Plans – Specifications
- Council approved plans
- Planning approval
- Builders Insurance
- FHOG
- Vendor Statement /Section 32
- Evidence of deposit paid – agents receipt
- Evidence of Rental income – Lease – Last Rental
- Statements
- Superannuation statements
- Retirement strategy
Identification – 100Points
- Licence = 40 points
- Passport or Birth Certificate =70points
- Medicare card
- Evidence of Residency
- Copy of Marriage Certificate
Documents to be signed
- Credit Guide
- Privacy Statement
- Credit Assessment and Disclosure Document
- Chosen Lender Acknowledgment and Consent Form
- Fact Find and Statement of Living Expenses
We give you the flexibility to choose between a fixed, a variable rate, or both, on your home loan.
Fixed interest rate
A fixed interest rate home loan simply means that you ‘fix’ the interest rate at whatever the rate is at the time of settlement for a set term (2, 3, 5, 7 or 10 years). That means your interest rate and payments will remain the same over that period, regardless of any increases or decreases to interest rate changes.
Lend Bright fixed rate home loan may suit borrowers looking for:
- The certainty of fixed repayments
- Ability to break fixed rate with no break cost
- Unlimited additional repayments allowed without penalty (no redraw available)
Available for purchases, refinances, debt consolidation or cash out for investment or personal purposes
No. Lend Bright is 100% free to use for all Australians. Our mission is to help you get a great home loan and pay it off faster, so we make sure you don’t pay a cent to use Lend Bright.
No. Whilst our speciality is home loans, you don’t have to have one to start benefiting from a little Lend Bright. You might be a first home buyer looking to own your first dream home – our brokers will get to know your situation, and then guide you through the home buying process.
Or you might simply want to save smarter by connecting your bank accounts to the Lend Bright app to receive personalised insights. We’ll always be here if you want to talk home loans, but absolutely no pressure if you don’t.
Not answered above?
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