Up to date as of 27 July 2022

Residential

Connective Affinity
For clients who want a fast, straightforward, fully featured digital home loan.

Fully integrated assessment engine into Mercury Nexus where your client’s application is assessed in real-time and approval determined within minutes
Complete a full application and receive approval without leaving Mercury Nexus. Fully digital process end-to-end
No fees at any time during the term of the loan
Purchases and refinance available up to 80% LVR
Fully featured: 100% Offset sub-account with no fees, mobile app and instant payments
PAYG clients only, no self-employed
Min household income of $100k
Max Loan amount $2.5m and one loan/property per client
Cash out up to $200k. No debt consolidation
Max $5M total exposure
Loan types available for Owner Occupier and Investor. Principal and Interest and Interest Only available
Up to 4 units on one title

Connective Elevate
For clients who want flexible home loan options, from prime through to specialist.

100% offset account – no fees multiple splits
Do not credit score, no CCR or DTI-Assessment completed
90% LVR, no risk fee or LMI for Prime product only - Metro Brisbane, Sydney and Melbourne (check postcode locator)
Up to 85% LVR no risk fee or LMI for Owner Occupied and Investor Prime product only in remaining areas (check postcode locator)
Will accept 12 months financials for Near Prime product
Prime Alt Doc (24 months ABN 12 months GST) 2 of the 3 forms of verification, Accountants dec, 6 months BAS or 6 months Business Bank statements. Near Prime Alt Doc (12 months ABN 1 day GST) 1 of the 3 forms above for income verification.
Self-employed: if leases are in the company or trust name, you do not have to expense them. Can add back depreciation to 50% of the net profit. All Director fees can be added back to increase net profit
Can refinance business debt at home loan rates, and can refinance tax debt (Near Prime)
HEM is calculated off a lower overall income where rental income is included. Investment property costs are included in HEM
Path to Prime, rate review annually for Prime, Near Prime and Bi-annually for Specialist
Repayments on home loans can be late. If made up within 14 days, we consider on time and can be Prime
Fully assessed Pre-Approvals

Connective Essentials
For clients who want a simple and straightforward home loan.

No minimum employment term for permanent full-time and part-time applicants. Probation accepted. 1 payslip with 2 pay cycles
Cash out unlimited when NO LMI is used. Only requires stated purpose of funds
Self-employed can use directors declared wages for servicing. Evidenced via last 2 years tax returns and latest Assessment notice
1 year financials for self-employed can now be used for servicing. Talk to your Essentials BDM for criteria
The 3 C’s: Casual, Contract and Commissions, min 6 months in role
Property sizes considered to 240 acres up to 80% LVR and 120 acres for LMI up to 90% LVR (Residential use only)
5% Genuine Savings only required when LVR > 90% + LMI
95% LVR on vacant land – when converted to construction loan must be total loan at 90% LVR
Statements not required for debts not being refinanced e.g. Credit Card, and any loan statements
No annual or ongoing fees, free upfront valuations, no construction progress payment fees
Pre-approvals fully assessed when self-employed applicant > 80% PAYG
Digital mortgage documents available (complete end-to-end digital process)

Connective Select
For clients who want a premium home loan with broad features.

1 year’s financials for self-employed applications that do not require LMI. (talk to BDM about supporting docs)
Self-employed - net profits used. No need to expense company liabilities unless adding backs
100% offset available against fixed rates as well as standard variable rates
Fixed rate is locked in once formally approved (with no fee payable)
Use CCR to determine repayment history
Only need 1 months Declared Living Expenses bank statement
Up to 10 units on title for established dwellings. Max 65% LVR for 4+ units or dwellings on 1 title
Up to 90% LVR on construction loans – max 3 units on 1 title
Non-residents accepted when joint applicants with AU residency
Fully assessed pre-approvals and now Digi Docs for settlements
No annual fees, one free valuation up to $300 per application
Joint debt – 100% debt and 100% rental

Connective Solutions
For clients who want a tailored solution as they may not fit typical lending criteria.

No credit scoring, or DTI assessment completed
Unlimited cash out to 80% LVR (Prime) including business purpose (Near Prime)
Prime Full Doc <85% no LMI
6 months good rental conduct accepted for genuine savings (Near Prime)
Alt Doc options available for self-employed, construction loans & credit impaired
Unlimited debt consolidation for Near Prime, Near Prime Clea and Specialist (includes tax and business debt)
40-year loan terms (Near Prime and Specialist)
Can accept applications for clients with late payments and adverse credit
6 months ABN – Specialist Alt Doc
$0 Notional rent if living at home rent-free
Existing mortgages: are assessed at actual monthly repayment + 25% loading
Common debt reducer (spousal only)
ATO debt accepted for Near Prim and Specialist. Needs to be on a payment plan and expensed
Benefit income can be used for sole income for Specialist loans

Connective Advance
For clients who want to purchase or refinance property for personal or business use.

Up to 80% LVR on houses and apartments in major metro areas
Up to $2 million single property in Melbourne, Sydney & Brisbane (full doc and Mid Doc)
No monthly fees, no reoccurring fees or hidden margin adjustments
Owner Occupied and investment up to 30 years, 5 years Interest Only
No Cross Collateralisation, no delays or additional red tape
Self Employed with ATO debt acceptable
No Credit Scoring. Every deal is manually reviewed
Mid Doc accepts self-certified income supported by Accountants letter, last 2 BAS Statements or 6 months bank account statements, with Flat Risk fee of 0.25%
Full Doc accepts 2 payslips, group certificate or notice of assessment for PAYG or last 2 years financial statements for Self Employed
Rates are based on security purpose (Not Loan purpose)
Flexible cash out for business purpose or commercial debts (≤70% LVR up to $250K &>70% LVR up to $100K stated purpose only, proof otherwise)
Paid Defaults <$1000 accepted (Not sub prime lender)

Commercial and SMSF

Connective Advance
For SMSF, individual or business clients who are looking to invest in commercial property.

Dedicated relationship manager who will workshop and package the deal with you for credit submission – You don’t have to be an expert at commercial loans
Max loan amount up to $4m, single security at 70% LVR (Full doc, Mid Doc & Commercial SMSF)
Max loan amount up to $3m, single security at 75% LVR (Full doc, Mid Doc & Commercial SMSF)
Max loan amount up to $2m, single security at 80% LVR (Full doc, Mid Doc & Commercial SMSF)
Term up to 25 years and 30 years on request
No annual review and no revaluations
WALE vs Term: No reliance on WALE
Cash out and tax debt considered
No clawback
Guarantees from directors only
No requirement for transactional banking
Commercial Full Doc: Assessed on most current year financials (2 years required)

Connective Solutions
For clients who want a flexible commercial lending solution.

Commercial Prime and Near Prime Mid Doc and Full Doc
Dedicated commercial BDM who will workshop the deal with you for credit submission
Apply using AOL
Maximum loan amount $3m, single security at 75% LVR (Full doc, Mid doc & commercial SMSF)
Terms available for 1 year through to 30 years
Ten security types accepted
No annual reviews and no revaluations
Cash out and tax debt considered
Guarantees from Directors only
Directors’ defaults allowed
100% offset sub accounts
Refinance tax debts

Top Niches Guides

Up to date as of 24 February 2025

Residential

Connective Select Funded by Bendigo Bank (previously Adelaide Bank)
For clients who want a premium home loan with broad features.

Security
High density dwellings or apartments size to 40sqm (excluding balconies, carpark and storage.
Up to 10 units on title for established dwellings. Max 65% LVR for 4+ units or dwellings on 1 title (talk to BDM).
Rural residential up to 50 hectares acceptable (talk to your BDM).
Acceptable titles include:
- Torrens title
- Strata title
- Community title
- Crown leases (inc. ACT leases).
Income
PAYG:
- Full time, part time, casual, or dependant contractor. Minimum 6-months in job or 12-months continuous service in same industry/role.
- Probation acceptable subject to minimum 12-months in the same industry/role.
Commission payments must have been received for at least 12-months with current employer (80% included as income).
Bonus payments must have been received for at least 2-years with current employer (80% included as income).
Self-employed:
- Minimum of 1-year trading as sole trader, company, company director and/or sub-contractor.
- 1-year financials for self-employed applications that do not require LMI - talk to BDM about supporting docs.
Rental income 
- Reduced shading applied to rental income to 10% for new and existing rental properties. 
- Categories 1, 2 & 3 only.
Short-term rental income (inc. AirBNB) acceptable if evident over a 12-month period, verified via Income Tax Returns with operating expenses to be included within the Declared Living Expenses (DLE). Income will be shaded to 90% and no rental yield cap applied.
Servicing
No credit scoring.
Return to work income can be used in servicing for extended leave or maternity leave. Must be returning to same employer and childcare expenses that will apply upon return to work must also be included in the declared living expenses. Any shortfall during leave on NSC to be mitigated.
Casual income verified YTD annualised over 48-weeks (or if in an education field 40-weeks).
Commission income is classified as a primary income source.
Allowances confirmed over 3-month period and a permanent part of ongoing income (reimbursements not allowed).
Overtime confirmed as regular over a 6-month period 80% used.
Emergency services 100% annualised over 52-weeks, must be evidenced over a 6-month period with current employer.
Bonus must be received from same employer for 2-years and average of 2-years used in servicing. 80% shaded.
Joint debt - 100% debt and 100% rental.
LVRs/Loan Limits
Owner-occupied up to 95% LVR (fixed and variable rate), high density 90%
- Interest only up to 90% LVR
Residential investment up to 90% LVR (fixed and variable rate)
- Interest-only up to 90% LVR
Maximum loan size:
● Above 90% LVR is capped at $750K.
● Between 80% and 90% LVR is capped at $1.5M.
● Up to 80% LVR is capped at $5M.
● Up to 60% LVR is capped at $7.5M.
Location dependant for all loan sizes, refer to max loan size table in Credit Policy.
Borrowers
Individual applications only (no company or trust applications).
Non-residents accepted when joint applicants with AU residency (talk to your BDM).
Non-permanent-Australian resident holders acceptable. Visa type needs to be pathway to permanent residency (talk to your BDM).
Conduct
Credit listing:
- Up to 2 Defaults (must be paid status) on a credit report completed on an individual, aggregate value less than $1,000, paid for at least 6-months.
- Applicants with prior credit indiscretions, including any adverse credit history on a credit report - talk to your BDM.
Discharged and undischarged bankrupts are not acceptable.
Minor RHI status 2 x 1 or 1 x 2 or combination 1 and 2 in recent 6-months can be mitigated.
For anything outside of this, refer to your BDM.
Product
100% offset available against fixed rates as well as standard variable rates.
Fixed rate is locked in once formally approved - no rate lock fee.
No annual fees.
First valuation fee expense is free and/or where multiple securities valued in single application, highest valuation expense is waived.
Competitive "cash out" parameters to access property equity:
- Any loan with LMI, maximum cash out $100,000. The LMI providers requirements must also be met.
- < $500,000 and < 80% LVR - Submission commentary only
- > $500,000 and < 80% LVR - Submission commentary and supporting verifications to demonstrate intended use of funds.
Regardless of the loan amount, where the funds are being used to purchase an investment property AND servicing is reliant on the subsequent rental income to meet serviceability. This has not been completed (need COS and funds controlled at settlement).

Connective Elevate Funded by Bluestone
For clients who want flexible home loan options, from prime through to specialist.

Income
Bonus and commission at 100% for 12 months history in Near Prime or 24 months for Prime.
Clawback period reduced to 6 months on all Prime Alt Doc home loan deals settled from 1st August 2024, Near Prime, Specialist and Specialist + home loan deals settled from 1st April 2024.
No age limit for kids in Near Prime for Family Tax A&B and child support / maintenance income.
Airbnb and holiday rental income is shaded to 80% and only require 3 months statements for confirmation.
Rental income verification reduced to 1 month’s evidence - if the property is rented via a managing agent – 3 months consistent credits for private rental.
100% of car allowance accepted as income on all product types.
Overtime 100% on all products if can show it's consistent over 6 months.
Non-Prime - overtime and allowances - 100% used.

Conduct
Flexibility with late & overlimit payments on unsecured debts being refinanced on Near Prime loans.
Up to 3 months mortgage arrears considered in the last 6 months.
Unlimited debt consolidation in all products, including business debts (ATO Tax Debt not available in Prime).

Servicing
Tax deductions (Gearing) allowed on company or trust borrower applications.
Investor servicing:
• Gearing calculated using actual interest rate of investment loan (existing & future)
• Accept sole source of income as rent for Professional Investors with no DTI and generous OFI calculation of actual rate, plus servicing buffer over new Connective Elevate loan term e.g. 30 years.
1.5% buffer for Prime and Near Prime up to 70% LVR; 2% on all other products and LVRs.
HEM is calculated on total income after gearing applied. Insurances, childcare, investment property costs are inclusive in HEM. No personal statements required.
ATO debts can be included in servicing if client wants payment plan to remain or paid out - max owing $200k for Near Prime.
Market leading 24–48-hour credit assessment from submission for all applications including SMSF and pre-approvals (fully assessed).
Personal bank statements requirement removed for all loans.

LVRs/Loan limits
Maximum loan amount up to $3M for metro areas and $2M for non-metro.
Up to 90% LVR for Owner Occupied and Investor.
Up to 85% LVR for Specialist and 80% LVR for Specialist+ loans (check postcode locator).
No LMI on any loans - risk fee applies for some products and LVRs.
Unlimited cash out on all products - evidence of purpose required over $200k or where 50% of valuation exceeded ($200k max >80% LVR on Specialist).

Self-employed
Unlimited business debt including ATO debt into owner occupied & investment securities (rates based on security type not purpose – Near Prime if Tax Debt).
Will accept 12 months tax returns for Near Prime Full Doc product Refinance.
No company liabilities in servicing but will accept 100% Net Profit, 100% Director's salary and add backs - depreciation capped at 50% on the total NetProfit.
Self-employed Alt Doc requires 1 form of verification only – either Accountants Letter or 6 months BAS or 6 months Bank statements.

Security
Free upfront valuations up to $440 value for SMSF and Residential loans.
AVM's acceptable up to 80% LVR – restrictions apply.
Vacant land is an acceptable secondary security - max loan $1.5m / 70% LVR across two securities. Land value can’t exceed 50% of the total security value.
Can accept high density apartments up to 90% LVR for existing units or 80% LVR for new units (only in buildings with 4+ stories and less than 3-years old).
Desktop valuations acceptable up to 80% LVR – restrictions apply.

Connective Solutions Funded by PepperMoney
For clients who want a tailored solution as they may not fit typical lending criteria.

Alt Doc purchases increased from 85% to 90% LVR
- For Prime and Near-Prime Clear credit profile clients only
- Purchase transactions only
- 5% genuine savings or 6 months rental history in Lieu
- 24 months ABN and 12 months GST registration (where applicable)
- P&I repayments only
- NSR >1.25x
- All existing Alt Doc procedures to otherwise apply
‍
Full doc refinances up to 95% LVR
- No Defaults or Judgements > $1000 (also no bankruptcy listings)
- No negative RHI for most recent 6 months on mortgages, 3 months on non-mortgages
- Proposed repayments must be less than the current aggregate repayments on the debts being refinanced
- Post settlement consumer debt should not exceed one credit card or $20,000
- Maximum Interest Only term of 1 year acceptable to allow clients to rebuild their finances
- NSR > 1.35x
- No cash out (except to complete the purchase of another real estate property verified with contract of sale)1.35x
‍
Accountant Declaration in isolation up to $2.5m
- For Prime, Near-Prime Clear and Near-Prime credit profile clients only
- Unlimited cash out by acceptable stated purpose
- 24 months ABN and 12 months GST required
- All existing Alt Doc procedures to otherwise apply
Jumbo Loans: Increased loan sized up to $5m
- Self-employed full doc - 2 years full financials required
- Alt doc - 6 months BAS or 6 months BBS required
- No Defaults or judgements >$1000 (also no bankruptcy listings)
- Clear RHI for the most recent 6 months on mortgages, and 3 on non-mortgages
- Unlimited cash out by acceptable stated purpose
- NSR >1.25x
Dedicated Credit Manager for exceptions talk to your Connective Solutions BDM
Up to age 85 for loan to end – subject to exit strategy
5% genuine savings can now be verified with 3 months bank statements, or 3 months rental history on Prime.
Units are accepted as security for home loans with a minimum internal floor size of 40sqm
All permanent VISA’s plus the following pathway Visa’s - 309, 475, 489, 491, 494, 820 accepted on all products
ATO debts accepted to be on going on Near Prime & Specialist - (Previously had to be paid out)
Late payments and adverse credit
Foster income accepted to offset expense of foster children
Maternity leave policy improvements - talk to your Solutions BDM
No credit scoring, or DTI assessment completed
Cash out up to 90%
- Unlimited cash out to 80% LVR (Prime)
- Including business purpose (Near Prime)
Up to 95% LVR – for owner occupied and construction
Prime full doc < 85% no LMI for owner occupied
No minimum timeframe for FT and PT employed (not on prime)
Refinance of business debt, solicitor finance and ATO debt
1 day discharged bankrupts acceptable
Alt doc options available for self-employed, construction loans & credit impaired
Unlimited debt consolidation for Near Prime, Near Prime clear and Specialist (includes tax and business debt)
40-year loan terms (Near Prime and Specialist)
Can accept applications for clients with late payments and adverse credit
Self-employed from 6 months ABN
$0 notional rent if living at home rent-free
Existing mortgages: are assessed at actual monthly repayment +25% loading
Common debt reducer (spousal only)
ATO debt accepted for Near Prime and Specialist. Needs to be on a payment plan and expensed
Benefit income can be used for sole income for Specialist loans
Self-employed clients can now use financial statements only for income verification – 1yrs on near prime clear and 2yrs on all other products.

Connective Advance Funded by ThinkTank
For clients who want to purchase or refinance property for personal or business use.

Security
Rates are based on security purpose (not loan purpose).
Income
Mid Doc requires self-certified income supported by any ONE of the following:
• an Accountants’ letter, last 2 quarter BAS, or 6 months bank account statements
• Can consider under Mid Doc - last 1-year financials AND/OR 1-year tax return and notice of assessment (discount available with AND option).
Full Doc requires 2 payslips, group certificate or notice of assessment for PAYG or last 2 years financial statements ITR & financial statements for self-employed applicants (use most recent year in isolation for servicing).
Rent shaded by 20% includes all running costs and vacancies.
Servicing
No Rent Cap, no notional rent and no max DTI.
LVRs/Loan Limits
Can consider:
• Up to $2M single security at 80% LVR on houses and apartments in major metro areas.
• Up to $3.5M single security at 65% property in Melbourne, Sydney & Brisbane (Full Doc and Mid Doc)/
• Up to $5M single security at 75% in Melbourne, Sydney & Brisbane, $4M in Perth & Adelaide.
Owner occupied and investment up to 30-years, 5-years interest only.
Borrowers
3-month ABN acceptable if 2-years of continuous industry experience/skillset can be provided.
No risk fee, no monthly fees, no annual or reoccurring fees.
Flexible cash out for any viable reason, including for business purpose or commercial debts (up to 80% LVR).
Refinance any debt that can be proven, i.e. business debts, ATO debts and private loans with unlimited debt consolidation.
Favourable purchases are considered with related party transactions.
Conduct
Paid defaults < $1000 accepted (Not sub-prime lender).
Minimum credit score 450.

Connective Bridge Funded by Bridgit
For clients who want a simple, flexible and accessible bridging loan to buy now, sell later.

Security
We take a first mortgage for both end-debt and no end-debt scenarios:
- Multiple security: Security taken over both incoming and outgoing property. Any existing mortgages will be refinanced and included in the initial loan amount.
- Single security: Security taken over outgoing property only.
Borrow 100% of the purchase price plus stamp duty, legal fees and fees associated with the settlement.
No shading of outgoing property value if there is a Contract of Sale in place.
Income
For no-end debt applications, income verification is not required.
Living expenses as per declaration and compared to HEM.
Servicing
No monthly repayments are required.
LVRs/Loan Limits
Up to 80% LVR.
Min loan amount $300K, max $8M.
Borrowers
Owner occupied and investment properties.
Cash out via bridging loan available for cosmetic improvements, financial consolidation and other purposes upon request.
Conduct
Bridging specialists, completely digital, instant workshopping and 24-hour approvals.
1-month statements for refinance loans if clear conduct on the credit report.
Direct access to experienced Credit Analyst completing full assessment - no auto decline.
Supporting documents are not required up front, assessment complete based on application details.
Conditional Approvals are issued without supporting documents upfront.

Connective Horizon Funded by Brighten
Comprehensive range of products designed to meet diverse financial needs.

Security
Category 1 to Category 3 locations accepted across different product ranges.
Standard residential securities including houses, townhouses, and apartments.
Construction, bridging, and vacant land accepted under applicable products - ask your BDM.
Income
PAYG and self-employed income accepted.
Onshore and offshore (foreign-sourced) income accepted, depending on product.
Income verification options include Full Doc and Alt Doc documentation methods.
Servicing
Competitive borrowing capacity, including:
• Existing debt assessed at 125% of actual repayment
• 2% assessment buffer
• 1% buffer under Alternate Refinance Policy
• 10% shading for rental income.
LVRs/Loan Limits
Up to 95% LVR, up to $5M for Full Doc.
Up to 80% LVR, up to $5M for Alt Doc and Bridging.
Up to 80% LVR, up to $3.5M for Construction.
Up to 80% LVR, up to $2.5M for Expat and Non-Resident.
Up to 75% LVR, up to $2M for Vacant Land.
Borrowers
Suitable for a wide range of borrowers looking to purchase, refinance, or access equity from residential securities.
PAYG and self-employed applicants.
Individual, company, and trust borrowers.
Expatriate and non-resident borrowers with onshore or offshore income.
Credit-impaired borrowers considered under Near Prime and Specialist products.
Conduct
No credit scoring.
Paid defaults under $500 may be accepted (Full Doc & Alt Doc).
Mortgage arrears, discharged bankrupts, and impaired credit history considered under Near Prime or Specialist products.

Commercial

Connective Advance Funded by ThinkTank
Full, Mid & Lease Doc available using commercial property for purchase, refinance or equity release.

Security
Property types include office, retail, industrial, multi residential units & boarding houses.
Specialised securities – hostels and backpackers, childcare, fast food franchises, car yards, function centres, hotels, pubs and motels, car washes, and car parks.
Income
Full Doc: Assessed on most current year financials (2-years required).
Mid Doc: Self-certified income supported by BAS or bank statement or accountants' letter or 1-year financials/tax return (discount applies if both financial & tax return provided).
Quick Doc: Income self-certification only.
LVRs/Loan Limits
Max loan amount up to $8M, single security at 65% LVR (Full Doc and Commercial SMSF).
Max loan amount up to $7M, single security at 70% LVR (Full Doc and Commercial SMSF).
Max loan amount up to $3M, single security at 75% LVR (Full Doc, Mid Doc and Commercial SMSF).
Max loan amount up to $2M, single security at 80% LVR (Full Doc, Mid Doc and Commercial SMSF).
Up to 25-years and 30-years terms on request.
WALE vs Term: No reliance on WALE.
Borrowers
ABNs over 3-months can be considered (provided 2-years industry experience can be demonstrated) for Full Doc and Mid Doc.
Stated purpose cash out up to 80% LVR and tax debt considered.
Guarantees only required from the Directors of the borrower and/or income entities.
GST funding and 3-year top up loans available above standard LVR.
Newly self-employed (ABNs less than 2-years accepted when the customer has been working within the same industry for more than 2-years).
Flexible cash out to 80% LVR.
Conduct
No clawback.

Connective Solutions Funded by PepperMoney
For clients who want a flexible commercial lending solution.

Commercial
Maximum loan amount $5m
Maximum LVR at 80% for both Full Doc and Alt Doc solutions
Terms available for 1 year through to 30 years with option of 5 years interest only and no rate loading applied to commercial solutions
Commercial Prime and Near Prime alt doc and full doc solutions
Prime Alt Doc now only needs ONE form of income verification from either 6 months BAS OR 6 months business bank statements OR Accountant Letter
Dedicated BDM who will workshop the deal with you for credit submission
Market leading SLA – Conditional approval issued within 3 days for loan sizes up to $1.5M or 5 days for loan sizes greater than $1.5M
Apply via Mercury
No annual reviews and no revaluations subject to repayments met on time
1 years tax return verification for Near Prime Full doc
Flexible Cash Out options
Directors’ defaults allowed
100% offset sub accounts and redraw
Refinance tax debts & debt consolidation
Generous servicing calculator
Accountant’s letter accepted up to $3m
Boarding Houses / Rooming Houses, NDIS, Student Accommodation and Child Care are acceptable security
Debt consolidation, ATO debt and historical credit events
Upfront and Trail with No clawback
SMSF
Maximum loan amount $3m for both Residential & Commercial securities
2 Day SLA
Maximum LVR at 80% for Residential security and 75% LVR forcommercial security
Terms available from 1 year through to 30 years with option of 5years interest only and no rate loading applied
Prime and Near Prime options available for members/directors with any historical credit events
No Liquidity test
No Clawbacks
Dedicated BDM who will workshop the deal with you for credit submission
Apply via Mercury
Boarding House acceptable security for Commercial SMSF
Redraw available (for SIS Act compliant purposes)

Connective Horizon Funded by Brighten
Comprehensive range of products designed to meet diverse financial needs.

Security
Residential and commercial securities in Category 1 and Category 2 locations accepted.
Specialised securities considered on a case-by-case basis.
Income
Full Doc, Alt Doc, and No Doc income options available across different products.
Servicing
Competitive borrowing capacity, including:
• Existing debt assessed at 125% of actual repayment
• 2% assessment buffer
LVRs/Loan Limits
Up to 80% LVR, up to $3M for Full Doc and Alt Doc.
Up to 70% LVR, up to $3M for Lease Doc.
Up to 65% LVR for Vacant Land.
Borrowers
Individual, company, and trust borrowers purchasing, refinancing or equity releasing of residential and commercial securities.
Property developers for land banking or residual stock purposes.
Conduct
Paid defaults up to $500 acceptable under Full Doc, Alt Doc, and Lease Doc.
Credit impairment considered under Private Lending products.
Application assessed on Merits.

SMSF

Connective Elevate Funded by Bluestone
For clients who want an SMSF residential loan with a simple set up and ongoing support.

Security
High density postcodes accepted up to 80% LVR with no additional interest loading.
All category postcodes considered, subject to the overall scenario.
Income
Accept existing and newly established funds.
SMSF requires a net asset position of at least $200,000.
Requires nil liquidity in the fund after purchase/refinance.
Servicing
Residential SMSF – When servicing is met through rental income, historic contributions and income from acceptable liquid assets, no further external verification required. Including no personal assets, liabilities or statements.
Servicing outside of fund available including self-employed with no history of additional contributions.
Market leading 24-48 hour credit assessment from submission for all applications including SMSF and pre-approvals (fully assessed).
Fully integrated with ApplyOnline.
Streamlined application process when there is a history of concessional contributions.
Servicing outside of fund available including self-employed with no history of additional contributions.
Free upfront valuations up to $440 value - SMSF and Residential loans.
Focus on developing brokers in SMSF lending foster a learning culture with access to a SMSF expert through your BDM.
LVRs/Loan Limits
Principal & Interest (P&I) and Interest Only (IO) terms up to 30 years.
Borrow up to $1.5M and up to 80% LVR.
Borrowers
Suited to corporate trustees with up to 6 SMSF members.
For new purchases and refinances.

Connective Advance Funded by Thinktank
For SMSF, individual or business clients who are looking to invest in commercial property.

Security
Residential and commercial security options:
• Residential property types including houses and apartments.
• Commercial property types including office, retail, industrial properties, and boarding houses.
Income
Rapid Refinance available (reset loan term up to 30-years) - only SMSF Financials & Tax Returns required.
Mid Doc income verification available if group servicing is required.
Servicing
Projected concessional and non-concessional contributions used in servicing
• Simplified projected contributions policy – customer contribution declaration
LVRs/Loan Limits
Up to $5M on residential security.
Up to $8M on commercial security.
GST funding available above standard LVR.
Borrowers
SMSFs with related and unrelated parties as tenants (commercial only).
Tenants in Common structure for business real property.
In-specie transfers for business real property.
Unit trusts with SMSF unit holders.
Unique and specialised funding solutions.
Conduct
No liquidity or net asset requirements for commercial SMSF under $4M, and none for residential SMSF up to $5M.

Private Lending & Short Term

Connective Advance Funded by Thinktank
Competitive private lending and residual stock solutions.

Security
Security types include residential, commercial, or vacant land.
Residual stock funding for completed property development projects.
Income
Mid Doc - self-certified income supported by BAS, bank statements, accountant’s letter, or 1-year financials/tax return.
Quick Doc - Income Self-Certification Only.
Servicing
0.5x -1.25x ICR.
LVRs/Loan Limits
Max loan amounts up to $7.5M.
Up to 75% LVR.
Loan terms up to 3 years (Interest Only).
Borrowers
Available to individuals, companies, trusts, or partnerships.
Additional borrower eligibility criteria not specified.
Conduct
No clawbacks.

Connective Horizon Funded by Brighten
Comprehensive range of products designed to meet diverse financial needs.

Security
Residential and commercial securities in Category 1 and Category 2 locations accepted.
Vacant land accepted in Category 1 locations.
Income
No income documentation required.
Statement of position and exit strategy required.
Servicing
Assessment based on asset position and exit strategy.
LVRs/Loan Limits
Residential security:
• Up to 65% LVR, up to $5M.
• Up to 70% LVR, up to $2M.
Commercial security:
• Up to 60% LVR, up to $5M.
• Up to 65% LVR, up to $2M.
Vacant Land:
• Up to 65% LVR, up to $5M.
Borrowers
Company borrowers only.
Conduct
Credit impairment considered.