--- title: It's about to get brighter with Bright's new policy enhancements and reduced rates description: AFG Home Loans Bright has a product range to suit ex-pats, non-residents, visa holders, bridging customers, and more.  image: https://afgonline-com-au-2946851.hs-sites.com/hubfs/AFG%20Home%20Loans/AFG%20Home%20Loans%20Email%20Headers/AFGHL_Bright_Non-residents_Logo.png --- # It's about to get brighter with Bright's new policy enhancements and reduced rates [ AFG ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/author/afg) 8 March 2024 2:57:51 PM ![](https://afgonline-com-au-2946851.hs-sites.com/hubfs/AFG%20Home%20Loans/AFG%20Home%20Loans%20Email%20Headers/AFGHL_Bright_Non-residents_Logo.png)   **Policy enhancements and rate reduction **  Bright recently made **over 15 policy enhancements** designed to improve serviceability, streamline paperwork, and offer greater flexibility for brokers and customers. Bright has also recently **reduced some of its rates**. Find out more [here](https://afgonline-com-au-2946851.hs-sites.com/hubfs/AFG%20Home%20Loans/Ops%20attachments/Bright_FEB24_PolicyEnhancements_RateReduction.pdf?utm_campaign=Bright%20FEB24&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz-_B60NS-aTRJc19ulZqtRiqEPpa8xDe2n9YTIU_KrngzI2_UGi_tsvwHXFMpflroL7Yq4Mu).    **Who does Bright suit?**  AFG Home Loans Bright has a** **product range to suit **ex-pats, non-residents, visa holders, bridging **customers, and more. Bright has also introduced a range of **construction products** catering to customers looking to build.    **The Bright product range **  - **Bright Evergreen (Non-Resident) **- Full Doc or Alt Doc home loans available to customers with non-Australian sourced income and non-residents of Australia.** **  - **Bright Elevate (Australian Expatriate) - **Full Doc home loans for Australian citizens, permanent residents, or temporary residents with income in AUD or an acceptable foreign currency.** **  - **Bright Premium (188/888 Visa) -** Full Doc home loans for Australian 188B/C or 888B/C Visa holders.** **  - **Bright Connect (Bridging) **- Bridging home loans for Full Doc Prime and Alt Doc Prime customers.** **  - **Bright Boss** (**Alt Doc) **- Alt Doc home loans for Prime and Near Prime self-employed customers. Limited time $0 Risk Fee Offer.** **  - **Bright Empower** (**Full Doc) **- Full Doc home loans for Prime and Near Prime customers. 1-year financials accepted (including Prime).** **    **Bright – Key documents**   - [Product niches and specs ](https://afgonline-com-au-2946851.hs-sites.com/hubfs/AFG%20Home%20Loans/Ops%20attachments/AFG%20Bright_Niches%20List_21Feb2024.pdf?utm_campaign=Bright%20FEB24&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz-83AHKqrHM5LlQmuDdH5_JKKpo_Aj32RhFiRLIWAb_eN0JvOnzxvIO2euEUgtQK2RdglnmF)  - [Bright customer scenarios](https://afgonline-com-au-2946851.hs-sites.com/hubfs/AFGHL%20Customer%20Scenarios%20v0.1.pdf)   - [Latest Bright ratecard ](https://afgonline-com-au-2946851.hs-sites.com/hubfs/AFG%20Home%20Loans/Ops%20attachments/AFG%20Bright%20Rate%20Card_21Feb2024.pdf?utm_campaign=Bright%20FEB24&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz-83AHKqrHM5LlQmuDdH5_JKKpo_Aj32RhFiRLIWAb_eN0JvOnzxvIO2euEUgtQK2RdglnmF)    **Speak to your BRM**  If you have a scenario, [complete this template](https://afgonline-com-au-2946851.hs-sites.com/hubfs/AFG-Home-Loans-scenario-template.pdf?utm_campaign=Retro%20Lite%20AUG_SEPT22&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz-83AHKqrHM5LlQmuDdH5_JKKpo_Aj32RhFiRLIWAb_eN0JvOnzxvIO2euEUgtQK2RdglnmF) and send it to [scenarios@afghomeloans.com.au](mailto:scenarios@afghomeloans.com.au) or contact your BRM to discuss Bright's products.  [Lender Spotlight](http://afgonline-com-au-2946851.hs-sites.com/pm-update/tag/lender-spotlight) [8 November 2023 11:40:09 AM Brighten your customers’ day! ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/brighten-your-customers-day) [6 July 2023 3:28:13 PM A whole new range of products are coming soon to AFG Home Loans! ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/a-whole-new-range-of-products-are-coming-soon-to-afg-home-loans) [6 September 2024 3:05:09 PM Bigger Residential Loans with Align ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/bigger-residential-loans-with-align) ## Recommended Articles [![Welcome to Broker Insights – February 2024](https://afgonline-com-au-2946851.hs-sites.com/hubfs/PM%20Update%20Images/Tools%20and%20Resources%20%E2%80%93%2014.jpg) Welcome to Broker Insights – February 2024 ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/welcome-to-broker-insights-february-2024) [![Have you completed your CPD requirements for this financial year?](https://afgonline-com-au-2946851.hs-sites.com/hubfs/PM%20Update%20Images/Tools%20and%20Resources%20%E2%80%93%2014.jpg) Have you completed your CPD requirements for this financial year? ](http://afgonline-com-au-2946851.hs-sites.com/pm-update/have-you-completed-your-cpd-requirements-for-this-financial-year-0) ## Stay up to date with the latest updates View all of the latest articles to help enable you to grow and succeed as a mortgage broker with AFG. 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