BC Invest

What BC Invest does

BC Invest is a diversified financial services group headquartered in Hong Kong with six offices across Hong Kong, Melbourne, Sydney, Kuala Lumpur, Manila, and London. It is a non-bank mortgage lender and investment manager focused on property investors who are typically underserved by mainstream banks: non-residents, foreign-income earners, expatriates, Self-Managed Super Fund (SMSF) borrowers, and Sharia-compliant lending seekers. The company's Australian operating entity is BC Securities Pty Ltd, which holds Australian Credit Licence Number 482240; the ultimate parent is Metrics Credit Holdings Pty Ltd.

The core platform is non-bank mortgage lending. Australian residential mortgages serve residents, non-residents, and small-business borrowers, including SMSF lending and Sharia-compliant options. UK operations deliver non-resident buy-to-let mortgages through four sub-brand products (BC Regal, BC Gem, BC Easy, BC Reset), offering up to 70% LTV, loans up to £1.5 million, no requirement for a UK bank account, and decisions within two business days. Funding comes from bank warehouse facilities and eleven residential mortgage-backed securities (RMBS) programs issued in the Australian bond market since 2020, including a 2022 Green RMBS with a DNV-verified Second Party Opinion. The platform includes an Investment Solutions product offering diversified portfolios in Australian property for capital preservation and income returns, online calculator tools (Borrowing Power, Loan Repayment, Stamp Duty), and credit-bureau integrations with Equifax and Experian Australia.

Revenue is generated primarily through interest income on mortgage lending, augmented by investment solutions and asset management fees. Assets under management exceed A$6.5 billion, with cumulative home loans of A$4.5 billion and over 15,000 customers served through the Mortgageport portfolio (acquired March 2023). Go-to-market is channel-led: BC Invest works through select mortgage broker and property specialist networks across Australia and Asia, complemented by multilingual direct sales and regional websites (au.bcinvest.co and uk.bcinvest.co). Customer segments include non-resident investors, SMSF borrowers, Sharia lending seekers, and UK property investors from Greater China, South-East Asia, and the Middle East.

Name

BC Invest

Legal name

BC Securities Pty Limited ACN 609 155 688

Website

https://bcinvest.co

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

BC Invest is a Hong Kong-headquartered, non-bank mortgage lender and investment manager serving non-resident, foreign-income, and SMSF property investors across Australia and the UK through six offices, with over A$6.5 billion in assets under management.

Ownership category

akta.pro rank

Product category

Non-Bank Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (523940), Other Financial Investment Activities (5239)

SIC

Mortgage Bankers & Loan Correspondents (6162), Investors, Nec (6799)

akta.pro industry

PRIMARYFSABADAE

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Private Banking

SECONDARYFSAAAHAG

Private Credit / Direct Lending

Financial & Insurance/Asset & Wealth Management/Asset Management — Fixed Income & Credit

SECONDARYFSACACAB

Mortgage-Backed Securities (RMBS/CMBS)

Financial & Insurance/Capital Markets & Securities/Securitization & Structured Finance

Keywords

• Non-bank mortgage lending
• Non-resident investor loans
• Buy-to-let mortgages
• Foreign income lending
• SMSF property loans

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Lending Interest Income: BC Invest generates revenue through interest income on mortgage loans provided to residents, non-residents, and expatriates seeking property investment in Australia and the UK. Loans include SMSF lending, foreign income lending, and buy-to-let mortgages.
2. Investment Solutions and Asset Management: BC Invest offers investment solutions delivering capital preservation and income returns through diversified portfolios in Australian property, funded through securitisation programs.
3. UK Non-Resident Mortgage Products: Specialised UK property mortgage products (BC Regal, BC Gem, BC Easy, BC Reset) for non-residents with loan amounts up to £1,500,000, generating interest income.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

BC Invest is a non-bank lender that originates residential mortgages for residents, non-residents, expatriates and SMSF investors buying property in Australia and the United Kingdom, including specialised products BC Regal, BC Gem, BC Easy and BC Reset for non-resident borrowers using foreign income. The group also offers investment solutions providing diversified portfolios in Australian property, and funds lending through bank warehouse facilities and RMBS securitisation programmes.

Product overview

BC Invest is a diversified financial services group offering a unified platform of mortgage lending and investment solutions. The core product portfolio comprises three main areas: (1) Australia Residential Mortgages for domestic and non-resident property investors, including Self-Managed Super Fund loans; (2) UK Non-Resident Mortgages under the BC Regal, BC Gem, BC Easy, and BC Reset sub-brands targeting Greater China, Southeast Asia, and Middle East investors; and (3) Investment Solutions providing diversified portfolio options for Australian property investment. The platform is supplemented by online calculator tools (Borrowing Power, Loan Repayment, Stamp Duty) and supported by the acquired brand Mortgageport, a non-bank mortgage manager with A$4.5 billion in home loans since 1998.

Differentiator

Problem solved

Functional benefit

Brands

• BC Gem: Buy-to-let mortgage product for non-residents of the UK with up to 70% LTV and maximum loan of £1,500,000.
• BC Regal
• BC Easy
• BC Reset

Products and services

• Australia Residential Mortgages Residential mortgage lending solutions for Australian properties serving residents, non-residents, new or returning residents of Australia, including Self-Managed Super Fund loans and small business loans.
• Investment Solutions Diversified investment portfolio options for investors seeking opportunities in Australia, delivering capital preservation and attractive income returns through various investment options.
• BC Regal Buy-to-let mortgage product designed for investors from Mainland China looking to purchase investment property in the UK. Offers up to 70% LTV with maximum loan of £1,500,000 and 25-year loan term.
• BC Gem Buy-to-let mortgage product for non-residents of the UK seeking to purchase investment property. Offers up to 70% LTV with maximum loan of £1,500,000, low variable interest rate, and no requirement for UK bank account or expat status.
• BC Easy Non-resident investment loan for UK property with no proof of income required. Offers up to 60% LTV with maximum loan of £1,000,000, designed for investors who cannot provide standard income documentation.
• BC Reset Swift refinance product for non-residents of the UK to refinance existing buy-to-let mortgages. Offers up to 70% LTV with maximum loan of £1,500,000, reduced documentation requirements, and accepts Chinese residents and income.
• Mortgageport Non-bank mortgage lender and mortgage manager acquired by BC Invest in March 2023. Founded in 1998, Mortgageport has provided home loans worth A$4.5 billion to over 15,000 customers, focusing on serving high-quality borrowers.

Quantifiable outcome

• Assets under management exceed A$6.5 billion
• +4 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• MortgageportcoreStrategic or Co-development Partner · 1 March 2023Acquisition of Mortgageport in March 2023, a non-bank mortgage lender and mortgage manager with rich history in Australia. Since its founding in 1998, Mortgageport has provided home loans worth A$4.5 billion to over 15,000 customers through its customer-centric approach and focus on serving high-quality borrowers.
• Country-Specific Lender NetworkminorChannel Partner/ Reseller/ DistributorNetwork of country-specific lenders across UK, Australia, and Asia that help BC Invest find suitable loans and properties for international investors.
• Mortgage Broker and Property Specialist NetworkscoreChannel Partner/ Reseller/ DistributorWin-win partnerships with select broker and property specialist networks across Australia and Asia. Clients benefit from brokers' deep understanding of their needs and BC Invest's ability to deliver financing solutions.
• DNV (Det Norske Veritas)minorStrategic or Co-development PartnerSecond Party Opinion provider for BC Group's Green RMBS 2022, providing independent verification of the Green Financing Framework.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Firstmac: One of Australia's largest non-bank lenders and active RMBS issuers, with a similar model of funding residential mortgage originations via warehouse facilities and securitisation. Comparable scale and product breadth including SMSF and investment lending.
• La Trobe Financial: Australian non-bank lender and asset manager with a sizeable residential mortgage book and active wholesale funding program. Comparable business mix of lending plus investment solutions, with similar institutional and retail funding channels.
• Pepper Money: Australian non-bank lender focused on prime and specialist residential mortgages, including non-conforming and self-employed borrowers. Operates a comparable RMBS-driven funding model and serves a similarly diversified prime/specialist customer mix.
• Resimac: Australian non-bank mortgage lender with a comparable business model of originating residential mortgages and funding through RMBS issuance. Operates across prime, specialist, and self-employed segments with a similar securitisation-driven capital structure to BC Invest.
• Bluestone Mortgages: Australia and UK non-bank residential mortgage lender specialising in self-employed, contractor, and non-conforming borrowers. Closely comparable to BC Invest's mix of prime and specialist lending, and a relevant benchmark for cross-border AU/UK non-bank strategy.
• Liberty Financial: Australian non-bank lender and servicer with residential, SMSF, and investment loan products. Has similar funding infrastructure (securitisation, warehouse) and serves overlapping customer segments including SMSF and non-resident borrowers.

Broad incumbents

• HSBC: Global universal bank with extensive expat, non-resident, and international mortgage products across Australia, UK, and Asia. Competes with BC Invest in the non-resident lending space but as one of many product categories within a much broader retail and commercial banking franchise.

Regional players

• Aldermore Bank: UK specialist bank with residential and buy-to-let mortgage products targeted at segments underserved by high-street banks. Comparable to BC Invest's UK strategy of serving borrowers that mainstream UK lenders deprioritise.
• Precise Mortgages: UK specialist residential mortgage lender focused on near-prime, self-employed, and buy-to-let borrowers. Closely comparable to BC Invest's UK non-resident buy-to-let positioning, though Precise serves UK residents while BC Invest targets non-residents.

Emerging players

• Athena Home Loans: Australian digital non-bank mortgage lender offering prime residential mortgages with a tech-led origination platform. Comparable non-bank funding model via securitisation, though serving a more standardised prime segment rather than BC Invest's non-resident and specialist niches.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BCInvestmentGroup

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BC Invest