LOAN PRODUCTS

At Connective Home Loans, we offer loan products that suit the needs of all types of borrowers – whether you are a first home buyer, investor, or downsizing – we have a loan that will suit your needs.

 

Connective Home Loans are exclusively available through brokers who are accredited members of Connective Broker Services, Australia’s leading mortgage aggregator. Click on the tile below to learn more about our key lending product suites – Connective Home Loans Essentials and Connective Home Loans Smart Options – or scroll down to learn more about loan basics.

Loan Options Explained

Together with your mortgage broker, our aim is to match your financial goals with the loan product that will help you achieve them! There are many financial products on the market and it is important that you find a solution that best suits your needs and serviceability. We can help you with:

Buying your first home 

A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a Finance Specialist (that’s what we do!). Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with us, your Finance professional, to determine the loan that is right for you.

Investment Loans

Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works toward building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.

Standard variable rate loans

The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Your mortgage broker will sit with you to ensure we offer you the right loan for your needs. To learn more, call your Connective mortgage broker today.