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MyBrix for Owner Occupied Property

Sell equity in your property's capital growth, not the property ownership

Choose the life you want to live

The New Way To Finance

Live Life Your Way

Don't let Banks Control Your life

Did you know that over the term of a traditional loan from the Bank, you payback more than twice what you borrow?

Also, over the first 10 years of a $600,000 loan (at 6.5%) you pay over $360,000 in Interest to the Bank, and that is after you pay tax on it, its not right.

MyBrix allows you to live life your way. Prioritise your family or yourself, take that well-earned holiday, buy that car or invest in your kids’ education, only you know what is important to you and your family.

Check out our video to help you understand how MyBrix works.

It Should Be Your Choice

It Should Be Your Choice

You should be able to decide how much per month you increase the equity in your home, not some formula imposed by the Bank.

Whilst with MyBrix you don’t need to make any repayments, you may decide to increase your equity, based on free cash flow.

You can optionally participate in a structured off-market Indexed Brix Buyback scheme by committing to acquire a minimum amount of Brix each month for 12 month term, with the value of Brix indexed at a fixed rate each year. 

You can opt in or out annually, as well as buy back higher amounts in any given month, when circumstances permit.  

You decide what works best for you.

Who Can Use MyBrix (Standard Brix)?

Anyone with 35% Equity

What Options Do I Have?

MyBrix Brings the Options to You

To help you understand how you can benefit from MyBrix, we have created a calculator to help you work out how many Brix you need to sell in your property to fund your refinance. You can finance any amount up to 65% of the Market Value (as calculated by an Independent Valuer) with Standard Brix (Owner Occupier Brix). 

You can also optionally participate in Buybacks or utilise Gold Brix, the options are for you to select. Gold Brix can be used anytime, but must be used for all funding above 65%, up to a maximum of 90% of Market Valuation. Gold Brix are subject to Credit Checks.

Sounds Too Good To Be True

So What's The Catch?

It’s true, you don’t get anything for nothing. Whilst MyBrix is a great new way to fund property, there are a number of things you need to consider before you rush in:

  1. Not every application will get funded. The attractiveness of your property to investors determines if they want to fund it or not. We have created an “Attractiveness Score” to help investors make their decisions.
  2. You need to discount the Brix you sell to the initial investors to provide them an opportunity to make money from the growth of the property price, as they are not charging you any interest.
  3. The maximum funding term for MyBrix is 10 Years, after which you can sell or refinance (potentially on MyBrix for another 10 year term)

Full details are provided to all applicants in our Product Disclosure Statement (PDS).

Refer to Property Owner FAQ to understand more about MyBrix for Property Owners.

How does funding work under MyBrix?

The process is well defined

To help you understand how you can how you apply for MyBrix funding and how investors buy Brix in your property, we have created a process flow for you to see how it works end to end

How much interest can you save?

Use our calculator below to see the difference between MyBrix and Traditional Finance over a 10 Year period.

The majority (over 90%) of MyBrix Fees are paid in Brix, not cash, allowing you to utilise the equity in your home to pay the MyBrix fees and charges, without a huge drain on your cash reserves.

If your property is funded on MyBrix, your current mortgage payments can be redirected to improve your lifestyle or you could utilise a portion to undertake one of our structured Brix buyback programmes, its up to you.

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