Different plans call for different types of loans. With Connective Home Loans Essentials you get to choose from a range of options to best meet the needs of your individual plan.

You can choose from Fixed, Variable or a combination of both interest rate options. Plus, many other features that your broker can take you through to determine which essential options suit your needs.

Essentials Variable Rate

With a Variable Rate you get competitive rates and all the essential features, plus you can make extra payments at no cost and redraw1 those extra repayments when it suits you.

AT A GLANCE

Competitive

  • Variable interest rate offers you greater flexibility
  • Interest rate discounts may be available depending on your circumstances
  • No monthly ongoing fees2

Flexible

  • Principal and Interest or Interest Only repayment options3 to fit your financial plans
  • Monthly, fortnightly or weekly repayment frequency options to suit your cash flow4
  • Loan terms up to 30 years for a repayment period that's right for you
  • Redraw1 available by multiple methods, including a Debit Card to access funds via ATMs and EFTPOS
  • Split your loan up to four times
  • Additional repayments at no cost lets you repay your mortgage sooner

Extras

  • Flexible repayment options – weekly, fortnightly or monthly 4
  • 24 hour5 access to funds through Debit Card, ATM and EFTPOS
  • Available to you whether you're buying land, building or both

Essentials Fixed Rate

Our fixed rate gives you the certainty of knowing exactly how much your repayments will be. You can choose your fixed rate term from 1 to 5 years depending on the period that suits your needs.

AT A GLANCE

Competitive

  • Fixed interest rate offers you greater peace of mind
  • Interest rate discounts may be available depending on your circumstances
  • No monthly ongoing fees2

Flexible

  • Certainty of knowing what your repayments are during the fixed rate term
  • Choice of 1 to 5 year fixed rate terms to fit your long and short-term plans
  • Principal and Interest or Interest Only repayment options2 to suit your situation
  • Lock Rate option for added rate protection while you arrange your loan
  • Flexible repayment options – weekly, fortnightly or monthly 4
  • Split your loan up to 4 times