Explore options for property purchases, refinances and more complex commercial or SMSF scenarios. Start with your client's needs, narrow the available solutions and access support when you need it.

What are you looking to finance?

If you are new to Commercial or SMSF lending, begin with the client’s purpose and structure rather than a product name.
These two pathways explain the key information to establish before reviewing the available solutions.

Commercial lending

Commercial lending may suit a client buying or refinancing premises for their business, purchasing an investment property, or seeking funding for an eligible business purpose. Assessment can differ from residential lending because the security, borrower structure, income evidence and intended use of funds may all influence the available options.

For a new broker, the best first step is to build a clear picture of the transaction before comparing products.

Start by establishing:

  • What is the purpose of the loan?
  • What property or asset will be used as security?
  • Will the property be owner-occupied or investment?
  • Is the borrower an individual, company or trust?
  • What financial and income evidence is available?

Once these details are clear, use the filters and comparison information below to identify products worth investigating. Full eligibility and policy should then be confirmed through approved product information.

Find a Commercial solution →

SMSF lending

SMSF lending may help eligible clients purchase or refinance property through their self-managed super fund. These scenarios can involve additional structural and policy considerations, so it is important to understand the fund, trustees, property and transaction before selecting a product.For a new broker, the aim is not to interpret every requirement immediately.

First collect the core scenario details, then narrow the suitable product pathways and seek specialist support where needed.

Start by establishing:

  • Is the property residential or commercial?
  • Is the transaction a purchase or refinance?
  • Who are the trustees and what is the trustee structure?
  • What documentation is available?
  • Are there any non-standard features or structures?

Use the filters and comparison information below as an initial guide. Final eligibility, structure and credit requirements should be confirmed against current approved policy.

Find an SMSF solution →

Find a solution

Use scenario-based filters to narrow the product set. The final build could make these controls interactive and show only the products relevant to the selected criteria.

Connective Complete

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Advance

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Elevate

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Horizon

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Solutions

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Bridge

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Complete

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Advance

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Elevate

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Horizon

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Solutions

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Complete

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Advance

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Elevate

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Horizon

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Solutions

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Bridge

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Complete

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Advance

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Elevate

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Horizon

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Solutions

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Bridge

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Complete

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Advance

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Elevate

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Horizon

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Solutions

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Bridge

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Advance

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Horizon

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Bridge

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Complete

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Advance

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Horizon

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Solutions

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Bridge

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Connective Cashflow

Best suited to: commercial property and eligible SMSF business real property scenarios.

Loan amount
Up to $5m*
LVR
Up to 80%*
Terms
Up to 30 years*
  • Add three factual differentiators.
  • Keep card content short and comparable.
  • Link to current product and policy detail.
View product details and rates →

Compare solutions at a glance

Keep the comparison focused on the criteria brokers use to shortlist options. Detailed credit policy should remain within the relevant product documentation.

Swipe or scroll across to compare all solutions.

Feature

Solutions

Horizon

Advance

Complete

Elevate

Bridge

Cashflow

Other products

Commercial

✓

Check

Check

Validate

Validate

Validate

Validate

Validate

Residential SMSF

Check

✓

Check

Validate

Validate

Validate

Validate

Validate

Commercial SMSF

✓

✓

✓

Validate

Validate

Validate

Validate

Validate

Maximum loan

$5m*

$3m*

Validate

Validate

Validate

Validate

Validate

Validate

Maximum LVR

80%*

80%*

Validate

Validate

Validate

Validate

Validate

Validate

Key differentiator

Short factual point

Short factual point

Short factual point

Validate

Validate

Validate

Validate

Short factual point

Start with the client’s scenario

Scenario-led entry points give brokers another route into the product suite without requiring them to know the product names first.

Business owner buying their premises

Guide the broker toward relevant commercial and Commercial SMSF options based on the ownership structure.

Explore this scenario →

Self-employed client with alternative income evidence

Help the broker identify solutions that may support the available documentation type.

Explore this scenario →

SMSF investor refinancing property

Surface possible refinance pathways without requiring prior product-name knowledge.

Explore this scenario →

Complex structure or unsure where it fits?

Make specialist scenario support visible rather than forcing the broker to self-diagnose.

Explore this scenario →

Connective Lending Contacts

Abbey Dimovski

Connective Lending Manager (VIC/SA/TAS)

Tom McArdle

Connective Lending Manager (VIC)

Chris De Polignol

Connective Lending Manager (NSW/ACT)

Nate Wanny

Connective Lending Manager (NSW)

Aaron Salmon

Connective Lending Manager (QLD/NT)

Zac O'Connell

Connective Lending Manager (WA)

Toula Wilson

Connective Lending Business & Lending Specialist

Gerard Faya

Connective Lending Sales Support Specialist

Mitchell Goerner

Connective Lending Sales Support Specialist

Adele Fraser

Connective Lending Sales Support Specialist

Chris Pearce

National Manager, Sales and Support

Michael Goerner

Head of Connective Lending