AFG Home Loans - Bright Home Loan Rates
AFG Home Loans - Bright lifted its variable home-loan rates by 0.25 percentage points from 6 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
AFG Home Loans - Bright is one of the Australian home-loan lenders we track daily. We currently surface 196 active products from AFG Home Loans - Bright, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are AFG Home Loans - Bright home loan rates?
Ratesniffers compares AFG Home Loans - Bright home loan products by comparison rate. Compare AFG Home Loans - Bright's product rates and conditions in the table. A verified example for this loan scenario is unavailable. Compare AFG Home Loans - Bright against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
How many home loan products does AFG Home Loans - Bright offer?
Ratesniffers currently tracks 196 AFG Home Loans - Bright home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
196 AFG Home Loans - Bright home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
Who is AFG Home Loans - Bright?
AFG Home Loans Bright is a white-label home loan with Brighten Home Loans Pty Ltd ACN 620 839 983 as the credit provider. The AFG Home Loans range lends under Australian Credit Licence 411913.
Bright is built for applications that sit outside a standard bank file. The three cases it is published for are expatriate and non-resident applicants, bridging finance between a sale and a purchase, and construction lending. It carries both an offset facility and redraw, lends to a maximum 80% of property value, and funds loans up to $2 million.
Who suits a AFG Home Loans - Bright home loan?
Bright tends to suit Australian expatriates and non-residents buying here, and borrowers who need bridging or construction finance rather than a plain purchase or refinance. The 80% ceiling means it is not a low-deposit option, and specialist funding is priced for the complexity, so compare it against the mainstream rates in the table above before assuming it is the cheaper route.
Background facts checked 4 September 2026. Rates above refresh independently.
AFG Home Loans - Bright fees, offset and limits at a glance
- Application or establishment fee
- $0
- Discharge fee
- $950
- Settlement fee
- $330
- Additional valuation fee
- $330
- Loan portability
- $660 plus valuation cost
- Offset account
- 100% offset
- Minimum offset balance
- $0
- Lenders mortgage insurer
- Helia
- Maximum total lending
- $5m
Checked 9 Nov 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.