Connective Select

Connective Select Customer Profile

Owner occupied borrowers

Minimising interest paid over the loan term

Seeking 100% offset & flexibility

Good credit history

Home buyers, investors, renovators

Planning to refinance

Key Niches

1 Year’s financials for self-employed applications that do not require LMI.
Self-employed - net profits used.
100% offset available against fixed rates.
Fixed rate is locked in once formally approved - no rate lock fee

Non-residents accepted when joint applicants with AU residency.
Joint debt – 100% debt and 100% rental.
Rental income - reduced rental shading to 10%
No annual fees

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I have a scenario to workshop

Call your BDM or email us at info@connectivehomeloans.com.au and we will be in touch within 2 hours.

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Loan Products

Connective Select Basic Home Loan

This easy to use, simple home loan has everything a property investor needs and nothing they don’t. Whether you’re new to investing or a seasoned purchaser, this loan delivers on all counts.

Competitive

Variable or fixed rate
Extra repayments welcome and unlimited on a variable rate loan at any time
No ongoing monthly or annual admin fee
Debt consolidation

Flexible

Can split loan to part fixed
Unlimited additional repayments can be made on a variable rate loan at any time
On a fixed rate loan, customers can pay up to $20k per fixed rate term year without incurring a Break Cost Fee

Extras

Mobile banking app with OSKO payments (coming soon)
Fully transactional account with options including ATM, eftpos, Bank@Post, BPAY® and AnyPay
Redraw
No annual package fee

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Connective Select 100% Offset Home Loan

Competitive

100% offset available on fixed rate and variable loans, link up to six accounts per loan
Fully transactional account with options including ATM, eftpos, Bank@Post, BPAY® and AnyPay
No annual admin fee
No minimum or maximum redraw amount on fixed rate or variable loans

Flexible

Can split loan to part fixed
Refix at no cost at end of fixed term
Extra repayments welcome on both fixed and variable loans
Access repayments made over and above the minimum required payments, less one scheduled repayment, through free online redraw to the clients offset account

Extras

Mastercard debit card provided
No annual package fee
$20k additional payments p.a. against fixed rate loans

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Connective Select - funded by Bendigo Bank - offers clients a comprehensive, flexible, fully featured package with 100% offset.

Jump straight to resources for you and your clients

Connective Select Customer Profile

Key Niches

I have a scenario to workshop

Loan Products

Connective Select Basic Home Loan

Competitive

Flexible

Extras

Connective Select 100% Offset Home Loan

Competitive

Flexible

Extras

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