BC Investment Group

What BC Investment Group does

BC Investment Group (BC Invest) is a Hong Kong-headquartered, non-bank mortgage lender and investment group founded in 2015 that specialises in cross-border property finance for borrowers underserved by mainstream banks. Its core lending products target non-resident investors, expatriates, Self-Managed Super Fund (SMSF) trustees, self-employed borrowers, and Sharia-aligned clients seeking residential and commercial mortgages in Australia and the United Kingdom, with loan tickets ranging from A$1,000 to A$3,000,000 (or up to £1,500,000 in the UK). The group operates through licensed Australian Credit entities (BC Securities Pty Ltd, BC Capital Australia Pty Ltd, MortgagePort Management Pty Ltd) and a UK servicing arm, with ~160 staff across six offices in Hong Kong, Sydney, Melbourne, Manila, Kuala Lumpur and London, and total assets under management exceeding A$6.5 billion.

BC Invest's technology stack is centred on a non-bank mortgage origination and servicing platform funded through bank warehouse facilities and recurring residential mortgage-backed securities (RMBS) issuance — eleven deals totalling approximately A$5 billion since November 2020 under Ruby, Crimson and Coventry shelf programmes, with arrangers including Deutsche Bank, HSBC, JP Morgan, Natixis, Macquarie, NAB and Westpac. The proprietary customer-facing layer comprises online calculators, the BC Digital Portal and a multilingual service operation; the company also holds a strategic investment in proptech payments firm Rello and a 50% joint venture in MyChoice Home Loans. In February 2022 BC Invest launched the BC Invest Australian Credit Fund offering Green Units (Climate Bonds certified) and Credit Units, marking a diversification into managed investment products.

Revenue is generated primarily through net interest income on the mortgage loan book, supplemented by origination fees, RMBS structuring economics, and management fees on the Australian Credit Fund. Distribution relies on mortgage broker and property specialist referral networks across Australia and Asia, complemented by direct multilingual customer acquisition through regional offices. In March 2025, Metrics Credit Partners — Australia's largest private credit group managing over A$30 billion — completed full acquisition of BC Invest, transitioning ownership from previous majority holder Far East Consortium International Limited and positioning the combined business to reach A$30 billion in assets under management.

Name

BC Investment Group

Legal name

BC Group Holdings Limited

Website

https://bcinvest.co

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

BC Investment Group (BC Invest) is a Hong Kong-based non-bank mortgage lender and investment group that provides cross-border residential and commercial property finance for non-residents, expatriates, SMSF trustees and self-employed borrowers investing in Australian and UK real estate, with A$6.5 billion in assets under management.

Ownership category

akta.pro rank

Headquarters

HQ city

Hong Kong

HQ country

Hong Kong SAR China

HQ region

Asia

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Mortgage Lending Interest Income: BC Invest generates revenue through interest income on mortgage loans provided to residents, non-residents, expatriates, and SMSF borrowers for Australian and UK property investments. Funding is sourced through bank warehouse facilities and residential mortgage-backed securities (RMBS) programs.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

No information available.

Product overview

BC Invest is a diversified financial services group operating as a platform of mortgage lending and investment products. The core offering consists of BC Invest Australian Credit Fund (investment product) and mortgage lending products across Australia and the UK. Australian mortgage products include BC Capital branded residential loans (BC Residential Bridging, BC Prime Full Doc, BC Alt Doc, BC Alt Doc Flex, BC SMSF Residential, BC SMSF Commercial, BC SME products) and non-resident/expat products (BC Freedom, BC Expat Super Saver). UK mortgage products include BC Gem, BC Regal, BC Easy, and BC Reset for non-resident property investors. The subsidiary brand Mortgageport provides additional domestic mortgage lending capabilities. Products are funded through a combination of bank warehouse facilities and residential mortgage-backed securities (RMBS) programs including Ruby, Crimson, and Coventry bond series.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Approval in Principle within 2 business days for UK non-resident mortgages
• +4 more outcomes

Named customers4 records

Segments5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• Climate Bonds InitiativeminorOthers · 14 February 2022Climate Bonds Initiative independently certified BC Invest's Green Units as Climate Bonds aligned with Paris Agreement goals. Metrics Credit Partners acted as Sustainability Coordinator.
• MortgageportcoreStrategic or Co-development PartnerMortgageport, a non-bank mortgage lender and mortgage manager founded in 1998, became a wholly-owned member of BC Invest in March 2023. Combined AUM exceeds A$5.5 billion. Mortgageport focuses on domestic Australian borrowers and provides over A$4.5 billion in home loans to 15,000+ customers.
• MyChoice Home LoansminorStrategic or Co-development PartnerJoint venture between Mortgageport and NXT Building Group, one of Australia's most well-known home building companies. Each party holds 50% stake in MyChoice Home Loans Pty Limited.
• RellominorStrategic or Co-development PartnerBC Invest holds a strategic investment in Rello, a fast-growing fintech payments company serving real estate agencies in Australia and New Zealand. Rello is backed by strategic partners including Flip Money, BC Invest and PropTech Group (ASX: PTG).

Scale indicators17 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• HSBC: HSBC is a global incumbent bank active in international property finance, including UK buy-to-let and cross-border mortgages. Comparable to BC Invest as a broad incumbent competing for international property investors.
• Investec: Investec is a specialist bank with UK and Australian operations offering mortgages to high-net-worth and non-resident borrowers. Comparable to BC Invest as a broad incumbent serving similar expat and international investor clients.

Direct peers

• Pepper Money: Pepper Money is a leading Australian non-bank lender with prime, near-prime, and specialist products, and also operates in the UK. It is a close direct peer to BC Invest, serving similar borrowers with comparable RMBS-funded models.
• Firstmac: Firstmac is a large Australian non-bank mortgage lender and RMBS issuer with significant assets under management. Comparable to BC Invest in scale of origination and securitisation activity.
• Resimac: Resimac is one of Australia's largest non-bank mortgage lenders and RMBS issuers, offering prime, near-prime, and specialist residential lending. It is a direct comparable to BC Invest in business model, securitisation program, and Australian non-bank positioning.
• La Trobe Financial: La Trobe Financial is a large Australian non-bank lender and credit fund manager with a significant RMBS issuance program. Comparable to BC Invest in operating a credit fund investment product alongside direct lending.
• Bluestone Mortgages: Bluestone is an Australian non-bank lender with a UK presence that focuses on prime and specialist residential mortgages. It is a direct peer to BC Invest in cross-border non-bank operations and specialist underwriting.
• Liberty Financial: Liberty Financial is a major Australian non-bank lender offering residential, SMSF, and commercial mortgages with active RMBS issuance. It directly competes with BC Invest's prime and SMSF lending products.

Emerging players

• Athena Home Loans: Athena is an Australian digital non-bank lender using data-driven underwriting and capital markets funding. It is an emerging player with overlapping funding model but less focus on non-resident/expat segments.
• Allica Bank: Allica Bank is a UK challenger bank with specialist buy-to-let mortgage offerings. It is an emerging peer to BC Invest's UK non-resident buy-to-let business, though focused on UK domestic landlords rather than non-residents.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BCInvestmentGroup
• LinkedInlinkedin.com/company/bc-invest

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries7 records

Funding overview

Funding rounds

Investors

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

M&A

Investments2 records

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

Frequently asked questions about BC Investment Group