No matter where you are in life, or what your financial goals are, our fully featured and flexible Connective Smart Options Suite of products can help you get where you want to be.

Smart Options Basic Home Loan

Our Smart Options Basic loan has all your standard loan features, with no ongoing account management fees. With the flexibility of multiple accounts, and the option to choose between fixed or variable interest rates, and principle and interest or interest only accounts – you get to choose how your loan works for you!

Features and benefits

Redraw facility to enable you to pay extra money into your loan that you can take out later if you need it

  • Family guarantee1 feature – this feature allows an immediate family member to use the equity in their property to support your loan application
  • Build or renovate – funds can be used to build your home on new or existing land, or to renovate your existing home

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Smart Options Offset Home Loan

The Connective Home Loans Smart Options Offset solution provides you with a 100% offset account, along with all the added benefits of a flexible loan product. With a redraw facility as standard, you have the option to pay money into your loan that you can take out later if you need it.

Features and benefits

 

  • Choose between fixed or variable interest rates, and principle and interest or interest only accounts
  • Additional repayments –additional repayments permitted at any time on variable loans and up to 5% per year on fixed rate loans.
  • Build or renovate – funds can be used to build your home on new or existing land, or to renovate your existing home

Smart Options (SMSF) Property Loan

A key reason people elect to manage their own superannuation is the flexibility to choose where their money is invested. Superannuation law allows SMSFs to borrow money to help purchase residential investment property.

Features and benefits

  • Purchase residential investment property
  • Protect your fund’s other assets
  • Potential gearing benefits
  • Repay with rental income
  • Integrate with your existing SMSF

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