In construction finance, a strong project can still stall when the income paperwork does not fit a mainstream lender’s requirements.

That creates an opportunity when you are working with experienced self-employed clients, builders and developers who have the fundamentals in place, but need a more flexible approach to verifying income.

Where Connective Horizon can help

Connective Horizon’s Alt Doc Construction Loan is designed to support eligible borrowers whose project makes sense, but whose circumstances are not well reflected by standard PAYG payslips or tax returns.

Clients to look for

• Self-employed clients undertaking residential construction, knockdown rebuilds or major renovations
• Builders or developers with strong equity, a solid track record and a clear construction plan
• Borrowers who may need alternative income verification rather than standard PAYG documentation or tax returns

Why this matters for you

This can help you turn a deal that may otherwise be declined into a workable pathway, giving your clients a practical way to keep their building plans progressing.

Workshop an Alt Doc Construction scenario

If you have a self-employed client with a construction project, contact your Connective Lending Manager to discuss the scenario and the available income verification options.

When your client is ready to move, the new Connective Bridge Digital Scenario Calculator gives you a faster way to assess their scenario, check fit, and progress with confidence.

Assess scenarios faster

You’ll find the calculator in the Connective Bridge broker portal, where it connects you directly to real-time policy and pricing. Run the numbers with your client, receive an instant quote, and see straight away whether the deal fits policy. No guesswork, no waiting for a response.

What it helps you do

• Move from scenario to application faster: Turn any scenario you build into an application with a single click.
• Check policy fit upfront: See whether a deal fits before you submit, not after.
• Work with more autonomy: Run calculations on your own timeline and during live client conversations.
• Act while intent is high: Workshop the scenario with your client, then move straight to application while they’re still engaged.

Get support with your next scenario

For guidance on using the digital scenario calculator or support with a more complex client scenario, contact your Connective Lending Manager.

With property values softening in some markets and affordability improving from recent peaks, more first home buyers are seeing an opportunity to enter the market. But for many, saving a sufficient deposit and meeting lender requirements remain significant hurdles.

For parents and grandparents who want to help, a guarantor loan is often the first option that comes to mind. However, becoming a guarantor is not the right fit for every family.

Some homeowners may not want to secure someone else’s loan against their property or take on the ongoing obligations that can come with a guarantee arrangement. For Australians aged 55 and over, a reverse mortgage can provide an alternative way to access home equity and support the next generation.

Who this could suit

This option may suit clients who have significant equity in their home and want to help children or grandchildren with a deposit, purchasing costs or reducing the size of their loan.

Rather than acting as a guarantor, eligible borrowers may be able to access a portion of their property’s value through a Connective Horizon Reverse Mortgage and gift or lend those funds to family members.

How it can help families

With a Connective Horizon Reverse Mortgage, eligible borrowers can unlock equity while continuing to live in and own their home. This can give families more flexibility to help loved ones buy sooner, without becoming directly linked to their mortgage.

Why it matters for you

This creates a valuable conversation with clients who are asset-rich and keen to support family members on their home ownership journey. If your clients want to help loved ones buy sooner, a reverse mortgage could be a practical solution worth exploring.

Explore a family support scenario

If an eligible homeowner is considering using home equity to support a family member, contact your Connective Lending Manager to discuss the client scenario and relevant considerations.

Learn more about reverse mortgages

Not every lending opportunity is about long-term funding. Sometimes, clients simply need speed and certainty.

In a recent Connective Horizon scenario, a NSW business owner needed to refinance quickly and access cash out to consolidate two adjoining Sydney properties into one title. Under pressure from his existing lender, he needed a short-term solution with minimal documentation and no time to spare. Connective Horizon approved a $3 million loan in under 24 hours, assessing the deal on a clear exit strategy rather than traditional income documentation.

These are exactly the kinds of opportunities worth keeping an eye out for.

From title consolidation and pending property sales to debt restructuring or time-sensitive commercial transactions, many clients have strong security but need faster access to capital. Traditional lending can be too slow or documentation-heavy to meet these deadlines.

Connective Horizon Short Term is built for borrowers who need speed, flexibility and a practical short-term lending solution. With no income documentation required and an assessment focused on the security and exit strategy, you can help clients move quickly without unnecessary delays.

When timing is critical, Connective Horizon Short Term can help keep the deal moving.

Discuss a time-sensitive short-term scenario

For support with a time-sensitive refinance, title consolidation or commercial transaction, contact your Connective Lending Manager to discuss the security, exit strategy and scenario details.

Connective Elevate continues to support SMSF refinance opportunities, commercial property purchases through an SMSF, and eligible residential purchase contracts entered into before 10 August 2026.

Commercial SMSF lending is now integrated into ApplyOnline, making it easier to submit and manage applications through the platform.

Look beyond new property purchases

An SMSF lending opportunity does not always begin with a new property purchase. Clients with an existing SMSF facility may be reviewing whether their current loan still meets their needs, giving brokers an opportunity to start a refinance conversation.

For clients considering a commercial property purchase through their fund, Connective Elevate provides brokers with a pathway to explore the lending scenario and understand what may be required before progressing.

Understand which SMSF scenarios may be supported

Connective Elevate’s current SMSF offering includes:

• SMSF refinance opportunities
• Commercial property purchases through an SMSF
• Eligible residential purchase contracts entered into before 10 August 2026

Eligibility and application requirements may differ by scenario, so we recommend confirming the applicable criteria before progressing an application, particularly where the residential contract cut-off applies.

Build confidence with your CLM’s support

Connective Elevate provides non-standard lending options for MSF lending can involve additional structural and application considerations. Your Connective Lending Manager can help you workshop scenarios, clarify requirements, and understand the application process before submission.

Mortgage stress continues to make headlines, giving you a timely reason to reconnect with existing clients and review whether their current lending arrangements are still appropriate.

Where debt consolidation may help

Some clients may be managing multiple personal, business or tax debts, making their financial commitments harder to navigate. Where suitable, debt consolidation may give them a way to combine eligible debts into one loan, subject to their circumstances, lending criteria and an assessment of whether refinancing is appropriate.

How you can support clients

• Identify clients who may be experiencing financial pressure early.
• Explore available options based on each client’s circumstances.
• Reinforce the value of your ongoing support during changing market conditions.

How Connective Elevate can help

Connective Elevate provides non-standard lending options for eligible customers who may not meet traditional lending criteria.

Commercial property lending may be more accessible than you think, particularly when the application process feels familiar.

Connective Elevate offers a straightforward application process through ApplyOnline that mirrors the simplicity of residential lending, helping brokers explore commercial property opportunities for their clients.

Whether your client is purchasing an owner-occupied property or investment property, or refinancing an existing commercial loan, your Connective Lending Manager can help you navigate the application process and discuss the available lending options for the scenario.

Explore a commercial property scenario

If you have a client considering a commercial property purchase or refinance, contact your Connective Lending Manager. They can help you understand the application process through ApplyOnline and discuss the available options for the client’s scenario.

Many SMSF borrowers have stayed with the same lender for years and may now be paying rates that no longer compare with what’s available today.

Refinancing could improve their position, but SMSF loans have often been seen as complex, time-consuming and costly to move. With paperwork, servicing requirements and legal expenses to consider, many refinance opportunities remain untouched in brokers’ back books.

That means clients may be missing potential savings because their loan hasn’t been reviewed recently, while brokers may be missing a chance to reconnect, strengthen relationships and show the value of ongoing support.

A simpler path for eligible SMSF refinances

Connective Complete’s SMSF EasyRefi process is designed to make eligible SMSF refinancing simpler for brokers and more rewarding for clients.

With rates from 6.94% p.a.*, EasyRefi uses a streamlined process and reduced document requirements to remove some of the friction traditionally associated with SMSF refinancing.

Why try EasyRefi?

1. Less paperwork and administration

   For eligible applications, no income documents are required, with assessment based on repayment history rather than full servicing. You can review your SMSF client portfolio, submit the EasyRefi document pack, and let us take care of the rest.

2. No need for new independent legal advice

   Independent legal advice is still required as part of the refinance process, and a copy of the original advice must be provided. But where the SMSF structure is unchanged and the original advice is available, your eligible clients may not need new legal advice, potentially saving thousands of dollars and weeks of time.

3. Potentially lower rates and repayments

   A refinance could help your eligible clients access a more competitive rate, reduce interest costs and keep more money working inside their super fund. They may also save around $1,500 in upfront legal costs, making refinancing an even stronger opportunity.

The Christmas cash flow squeeze can begin well before the festive season. This makes September the perfect time for you to help your business clients look ahead and identify whether their existing working capital facilities remain appropriate for the months ahead.

From September, stock, materials and extra payroll begin to build ahead of peak trading. December and January then bring fewer trading arnd banking days, along with slower collections. By February, clients may be juggling payroll, restocking and the October to December activity statement, due on the 28th, before peak-season cash has landed.

Why the review conversation needs to happen now

Seasonal pressure is predictable, which makes it fundable. A client who can see the gap in a forecast still has options. The same client calling in January, with suppliers, payroll and the ATO all pressing, has far fewer.

This year’s gap may also be sitting on top of added pressure: slower customer payments, super that needs to clear every pay cycle, and higher costs to carry tax debt. A facility sized on last year’s trading may not cover this year’s timing.

That means every conversation this month about stock, payroll or tax is also a working capital conversation.

Match the facility to the cash flow gap

Connective Cashflow gives you two revolving credit lines to help cover both ends of the trading cycle, with no upfront real estate security:

• Trade Finance pays local and international suppliers upfront, with Fast Matrix approvals, so clients can commit to seasonal stock without draining operating cash. Terms extend to 120 days, including up to 60 days interest free, helping align supplier payments more closely with sales.
• Debtor Finance unlocks up to 85% of invoice value within 24 hours, with limits up to $25M per ledger, no debt service tests and no financial covenants. Funding grows with turnover, making it a useful option for clients whose peak-season invoices may not be collected until January or February.

Many clients need support on both sides of the cycle. Existing bank facilities can stay in place, and clients juggling multiple cash flow lenders may be able to consolidate into one facility.

Use the review to support your clients earlier

• You can use this conversation to help clients plan earlier, while also creating new commercial opportunities through upfront commission, ongoing trail and airline reward points on settled deals.
• Your clients can access flexible working capital support when they need it, with the potential to collect points on facility usage as well.

Workshop a seasonal cash flow scenario

If a business client is preparing for seasonal stock, payroll or tax commitments, contact your Connective Lending manager to discuss the options available.

The Commercial Edge offer has expanded, giving eligible commercial borrowers access to reduced upfront costs across a broader range of Connective Advance loan types.

From Monday 17 August 2026, the offer now applies to Commercial Full Doc, Mid Doc, Quick Doc, Lease Doc, Commercial SMSF Full Doc, and Commercial SMSF Mid Doc.

Eligible loan types receive:

• Zero loan documentation fee
• Zero title insurance fee
• Zero insurance stamp duty
• 50% off the establishment fee

The promotion will be applied automatically to eligible loan types. If the offer is not suitable for a particular client scenario, contact your Connective Lending Manager to opt out.

All other legal, settlement and valuation fees remain payable by the borrower.

Check the offer against your client’s scenario

Your Connective Lending Manager can help you understand how the Commercial Edge offer may apply to a client scenario and discuss the available loan documentation options.

From 14 August 2026, more eligible properties may be automatically routed to SMARTval, helping streamline the valuation process across a broader range of scenarios.

Properties valued below $3 million with an LVR below 90% may now be eligible where a full Short Form valuation would otherwise have been required.

This includes expanded SMARTval availability for:

• High-density units and apartments
• Eligible rural residential properties

How SMARTval works

WMARTval does not require a physical site inspection. Instead, the valuer may contact your client directly by phone to collect basic property information.

If additional information is needed, your client may also be asked to upload photos through the ValAssist app.

The final valuation report will look different to a traditional Short Form report, but will contain the equivalent information required for assessment.

What you need to know

There is no change to how you order a valuation, and Lending Platform valuations remain unchanged. Eligible applications will be routed to SMARTval automatically.

The updated policy also includes guidance around the valuation method hierarchy and the age of validity for valuations on existing security held by the Bank.

Have a scenario to discuss?

Your Connective Lending Manager can help you understand how the updated valuation approach may apply to your client’s property and scenario.

The situation: A young family looking to upgrade their home in Argyle, WA.

The challenge: Previous credit impairment, limited regional lending options, and they’re looking to maximise borrowing capacity.

How we helped: Our near Prime Clear home loan option offers a flexible approach to income sources and minor credit impairments, with the option of 40 year loan term to support borrowing capacity.

The outcome

• Loan pre-approved for $880,000, in a Category 4 location while they finalise the sale of their current home.
• Both PAYG and self-employed income used for servicing.
• 40 year loan term used to support borrowing capacity and affordability.

When location matters, we’re giving you greater flexibility to solve more scenarios. Let’s go.

Have a regional scenario to workshop?

Your Connective Lending Manager or Connective Solutions BDM can help you work through scenarios involving location, income mix and previous credit impairment.

In a softer property market, there may be an opportunity sitting in your existing book: clients who wanted to upgrade, but couldn’t make the numbers work.

Consider a young family looking to move from an apartment into a house. They can comfortably service the new loan, but selling their existing property won’t leave them with the traditional deposit needed to make the move.

Previously, the answer may have been to wait, build more equity and try again later.

With Connective Skip, eligible clients can purchase with as little as a 2% deposit, low fees, no LMI and competitive interest rates (6.39%). Instead of waiting for their equity position to improve, they may be able to use the deposit they have today - and make the move sooner.

As property prices soften in some markets, it’s worth revisiting clients who:

• Wanted to upgrade but were constrained by their available equity
• Could service the new loan but fell short on deposit
• Put their property plans on hold 6-12 months ago
• Have growing families and need more space
• Are waiting to build more equity before making their next move

For these borrowers, the issue may not be borrowing capacity. It may simply be the gap between the equity they have and the deposit traditionally required for their next property.

That gap is where Connective Skip can create another opportunity.

Before assuming an upgrader still needs to wait, run the numbers again. The property they thought was out of reach last year may stack up differently today. Reach out to your Connective Lending Manager or Connective Skip BDM to find out more.

In a flat housing market, new business is sometimes harder to come by. But many brokers are overlooking an opportunity already sitting in their database: clients aged 60+ who are still paying off a home loan.

These clients haven't disappeared. They've gone dormant, often because brokers assume there's nothing more to offer once a loan settles. But with cost of living pressures mounting, many older clients are quietly struggling with repayments, and some may be weighing up options with implications they don't fully understand, including selling the family home.

This is where a conversation about Connective Reverse can open a door. For clients asset rich but cash flow poor, refinancing an existing loan into a reverse mortgage can ease financial pressure while letting them stay in their own home. Regular repayments are not required, and Connective Reverse loans come with guaranteed occupancy and a No Negative Equity Guarantee.

There's a second opportunity here too. When you help a parent, their adult children take notice.

Families going through this stage often need their own broker relationship for a first home, an investment property or a refinance. If you're not engaging with your older clients, someone else will, and their children are likely to follow.

Revisiting your database isn't just good service. It is new business hiding in plain sight. If you’d like to know more about strategies to target those clients, contact your Connective Reverse BDM today.

As competition continues across the lending market, Connective Horizon has introduced a range of rate reductions designed to help brokers deliver more competitive outcomes for investors, self-employed borrowers and construction clients.

What's New?

Recent pricing updates include:

• Connective Horizon Alt Doc Prime rates reduced by up to 20bps
• Connective Horizon Full Doc Prime Investment rates reduced by up to 40bps
• Connective Horizon Construction loans up to 80% LVR now from 8.34% p.a.
• Jumbo loan sizes available up to $15 million
• Continued support from the Connective Horizon Relationship Management Team

Connective Horizon Alt Doc Prime

• Rates from 6.84% p.a. (Owner Occupied P&I) up to 70% LVR
• Investment rates from 7.04% p.a. (P&I) up to 70% LVR
• Available up to 80% LVR
• Loan sizes up to $2.5 million

Connective Horizon Full Doc Prime

Selected investment products have been reduced by up to 40bps, with rates now from:

• 6.74% p.a. (P&I) up to 70% LVR
• 7.04% p.a. (P&I) up to 80% LVR

Connective Horizon Construction Loans

Construction pricing has also been reduced, with rates now from:

• 8.34% p.a. (Interest Only during construction)
• Available for owner-occupied and investment borrowers
• Full Doc, Alt Doc and Expat options available
• Up to 80% LVR and $2 million

The Broker Opportunity

With sharper pricing across key product categories, Connective Horizon continues to provide brokers with flexible solutions for self-employed borrowers, investors and construction clients, backed by specialist support and loan sizes up to $15 million.

Have a scenario to discuss?

Contact your Connective Lending Manager, Connective Horizon State Manager or the Relationship Management Team at rmteamhorizon@brighten.com.au or 13 14 88.

If your customer exchanged contracts on an SMSF residential property purchase before 10 August 2026, we’re continuing to support new applications. There’s no need to rush the paperwork, simply submit the application within the required settlement timeframe and we’ll help you get it across the line.

Plus, you can look forward to 0.25% p.a. off* our SMSF Residential rates when applying with Connective Elevate.

Existing LRBA customers can also explore refinancing options. The recent changes don’t mean they need to stay with their current lender.

And for customers looking at commercial property, it’s business as usual. SMSF commercial lending remains unchanged, whether they’re purchasing an investment property, buying business premises, or refinancing an existing loan.

Working through an SMSF scenario?

Your Connective Lending Manager or Connective Elevate BDM can help you work through existing residential purchase scenarios, refinancing opportunities and SMSF commercial lending.

*Offer applies to eligible loans up to 80% LVR submitted from 17 August to 25 September 2026 and settled within 6 months. Eligibility criteria, T&Cs, fees and charges apply. Australian Credit Licence 390 183.

Here's something to help your clients make the most of the spring selling season.

With Connective Elevate, your clients can look forward to 0.25% p.a. off* eligible home loan rates! This includes investor, construction and expat home loan products - including our flexible Alt Doc options.

But you'll need to move quickly. The offer is available on applications submitted before 25 September 2026 and settled within 6 months.

Check your spring scenarios

Your Connective Lending Manager or Connective Elevate BDM can help you review eligible residential scenarios ahead of the application deadline.

*Offer applies to eligible loans up to 80% LVR submitted from 17 August to 25 September 2026 and settled within 6 months. Eligibility criteria, T&Cs, fees and charges apply. Australian Credit Licence 390 183.

Looking to grow your business beyond residential lending? With Elevate, stepping into commercial lending is easier than you might think.

Plus, for a limited time, your clients will get 0.25% p.a. off* their Commercial Property Loan with Connective Elevate.

Access the loan products you're already familiar with, now backed by acceptable commercial security and a process that fits seamlessly into the way you work. With integration across Mercury, ApplyOnline and our serviceability calculator, you can manage commercial opportunities without changing your workflow.

Taking your next commercial scenario forward

Your Connective Lending Manager or Connective Elevate BDM can help you work through a Commercial Property Loan scenario and the application process.

* Offer applies to eligible loans up to 80% LVR submitted from 17 August to 25 September 2026 and settled within 6 months. Eligibility criteria, T&Cs, fees and charges apply. Australian Credit Licence 390 183.

For many brokers, SMSF refinance opportunities can be difficult to progress. Between the documentation requirements, legal considerations and upfront costs, these deals have traditionally been seen as complex and time-consuming, often ending up in the too-hard basket.

However, a streamlined approach to SMSF refinancing called ‘EasyRefi’ is helping make these scenarios more accessible for both brokers and their clients.

Reducing the complexity of refinancing

EasyRefi has been designed to simplify the SMSF refinance process by removing some of the traditional barriers that can slow deals down.

Rather than requiring extensive financial documentation, the assessment focuses primarily on a client's repayment conduct over the previous 12 months. This can significantly reduce the amount of paperwork needed, creating a more efficient experience for both brokers and borrowers.

Fewer hurdles for clients

Another key advantage is the reduced legal requirements in eligible refinance scenarios. Where the SMSF structure remains unchanged and the original independent legal advice is available, clients may not need to obtain new independent legal advice as part of the refinance process. This can help eliminate unnecessary steps and support a smoother transition to a new loan. It can also help reduce costs, leading to another key benefit of EasyRefi.

Helping reduce upfront costs

Cost is another factor that can discourage SMSF clients from refinancing. With EasyRefi, standard legal fees are waived for eligible applications, providing a potential saving of around $1,500 in upfront costs.

For clients weighing up their refinancing options, lower costs can make it easier to consider a move that may better suit their current needs and objectives.

An opportunity worth revisiting

With less paperwork, fewer process requirements and lower upfront costs, SMSF refinancing may be worth a second look. And with EasyRefi, it’s... well, easy.

To find out whether EasyRefi is right for your SMSF clients' refinancing needs, speak with your Connective Lending Manager or Connective Complete BDM.

Justin Morris, Director of HCQ Finance had a manufacturing client outgrowing its existing finance arrangements. The business, an Australian family-owned contract pharmaceutical manufacturer operating from Brisbane since 1988 had a cash flow problem that will sound familiar.

The business is TGA, FDA and ISO 22716 certified, supplying pharmacies, supermarkets and grocery brands across Australia and overseas. Demand wasn't the issue. Its finance was.

The existing funding facility hadn't been structured around the business's cash conversion cycle - the gap between paying suppliers and being paid by customers. Trade and debtor finance sat on separate systems at the previous financier, doubling the administration. And a term loan was needed urgently.

"The client didn't have a funding problem, they had a structure problem," Justin says. "The facilities were there, but they weren't talking to each other, and the timing never quite lined up with how the business actually trades."

What Connective Cashflow powered by Octet delivered

Justin introduced the client to Octet through Connective Cashflow. With Connective Cashflow providing two revolving credit lines to solve both sides of the cash flow equation, with no upfront real estate security, rather than repairing one facility and leaving the rest, Octet built around the whole trading cycle:

• $1.2 million debtor finance - releasing cash tied up in the invoice ledger
• $500,000 trade finance - funding supplier payments, structured to real terms of trade
• $1 million term loan - the urgent working capital injection

Trade and debtor finance now run on a single platform.

"Debtor and trade finance manage the rhythm of the trading cycle, and the term loan gave the business a base layer of working capital underneath it," says Allan Howe, Director Working Capital Solutions, Queensland at Octet. "Our job is to build around the way a client genuinely trades - not ask them to trade around the structure."

The result

The client now has the working capital to fund expected growth, and a stable platform to build on.

"I brought Octet a client with three separate needs and they came back with one solution," Justin says. "For a broker, that's the difference between a deal that drags on and a deal that gets done."A

What's in it for you - and them

Settled Connective Cashflow deals earn brokers upfront commission, ongoing trail and airline reward points. Clients can collect points on facility usage as well.

And you don't need to structure it yourself.

"Brokers don't have to be working capital specialists to write this business," Allan says. "If a client is invoicing other businesses and feeling the squeeze between paying suppliers and getting paid, that's the signal. Spot it, refer it, and we'll do the rest - or workshop the scenario with your BDM first."

National auction clearance rates have been hovering below historical peaks, while median days on market continue to stretch across major capital cities1. Buyers are treading carefully, and timelines are taking longer to line up.

That's where you come in. Instead of letting a client's dream property slip away while they wait for an offer on their current home, you can give them immediate buying power. They buy when they find the right place, sell on their own timeline, and pay no monthly repayments while they do it.

Why brokers win with Connective Bridge

No monthly repayments

Interest is capitalised into the loan, meaning zero out-of-pocket costs while they sell.

Up to 24 months to make the move

Flexible loan terms give clients the time they need to sell and settle on their terms.

Speed that closes deals

5-10 minute online applications with conditional approvals in hours, not weeks.

Direct broker support

Work straight with your dedicated Connective Bridge team - no red tape, no waiting in line.

Got a client weighing up sell-first vs. buy-first? Workshop the scenario with your Connective Bridge BDM today.

CoreLogic Australian Property Market Research & Hedonic Home Value Index Reports.

Eligible Commercial SMSF loans can now access waived and reduced fees, providing an opportunity to save on a range of upfront lending costs.

• Zero loan documentation fee
• Zero title insurance fee
• Zero insurance stamp duty
• 50% off establishment fee

*This promotion is not automatically applied - contact our team to activate this offer. All other legal, settlement and valuation fees remain payable by the borrower. For full details and T&Cs, visit the link below.

Rate Reductions

With sharper pricing across key lending products, we're making it even easier for you to deliver competitive funding solutions for your clients, whether they're purchasing commercial property, growing their business or investing through an SMSF.

• Across Commercial Full Doc and Full Doc Max rates up to 75% LVR.
• Across Commercial SMSF rates up to 70% LVR.

Our Business Development Managers are here to support you at every stage of the journey, from workshopping scenarios and structuring deals through to settlement.

Whether you'd like to discuss a scenario or simply have a chat, please reach out.

Discuss an eligible Commercial SMSF scenario

Your Connective Lending Manager or Connective Advance BDM can help you confirm whether a scenario may be eligible and assist with activating the offer.

Rather than being a higher-risk or last-resort option, alt-doc provides an alternative way to verify income while still applying appropriate credit assessment.

Across our Commercial Mid Doc and Quick Doc lending, we assess self-employed borrowers using alternative income verification methods that can better reflect how their business operates, including where income is earned through more complex company or trust structures.

For a stronger and more efficient alt-doc submission:

• Engage with the lender early to workshop the scenario and structure
• Clearly explain how the borrower generates their income
• Ensure the income verification provided aligns with how the business actually operates
• Provide complete disclosure and the right supporting information upfront
• Consider the sustainability of the borrower’s income and appropriateness of the proposed structure

For brokers, a strong alt-doc submission is about providing the right information, not less information.

Start with the structure

Your Connective Lending Manager or Connective Advance BDM can help you workshop the scenario early and identify the supporting information needed for a stronger submission.

Connective Select brokers can now initiate a full discharge request on behalf of their customers, helping get the process underway sooner and creating a smoother experience from the beginning.

How the new process works

To initiate a full discharge request:

1. Contact Connective Select Assist by phone, email or webchat.
2. You will be sent a simple template to capture the required discharge details.
3. Complete the template and return it to the Partner Assist Post Settlement Mailbox.
4. Connective Select Assist will load the request into the system and, where required, contact your customer directly to arrange electronic signing of the Discharge Authority through DocuSign.

You will be advised once the request is underway, along with the next steps and current service levels from the Discharge team.

More visibility through the Broker Portal

The Connective Select Broker Portal also gives you easier access to the tools and information needed to manage applications and settled loans.

Through the portal, you can:

• view current applications and their progress
• track which team is managing a file
• review loan details, events and received documents
• submit service requests
• access calculators, lending guidelines, policy and forms
• view settled loans, current interest rates and fixed or interest-only expiry dates

Together, these tools are designed to support a more efficient workflow and give you greater visibility across your Connective Select portfolio.

Need help with a discharge request?

Your Connective Lending Manager can help you understand the new broker-initiated discharge process, access the required template and confirm the next steps for an eligible full discharge request.

Important information

This process applies to full discharges only.

If the loan being discharged was originated in-branch, the customer must contact their branch or call 1300 369 564 to initiate the request.

For partial discharges, the customer must also contact Connective Select directly on 1300 369 564.

Brokers requesting progress updates must be identified using their Connective Select Broker accreditation details.

Don’t wait for perfect. The scenarios you’re seeing day to day are changing. And we’re changing with them. With bigger loan sizes and broader reach, you can now help more clients break through barriers with:

• $5m loan up to 80% LVR
• $3m loans up to 95% LVR
• Up to 95% LVR now on our Alt Doc option
• Capitalise LPF up to 98% LVR on purchases

Across cat 1-4 locations, including high-density securities. Only available on Prime and Near Prime Clear home loan options.

Helping more clients break through lending barriers

If you have clients requiring larger loan amounts, higher LVR solutions or Alt Doc lending options across Cat 1-4 locations, including high-density securities, speak with your Connective Lending Manager or Connective Solutions BDM to discuss suitable scenarios.

Showing clients another path to home ownership

If you have clients struggling to save a deposit or relying heavily on family support, your Connective Lending Manager or Connective Skip BDM can help discuss alternative purchasing pathways.

Information is correct as at 28 July 2026 and subject to change at any time.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

Connective Lender Services Pty Ltd ABN 51 143 651 496 Australian Credit Licence 389328. Credit provided by Pepper Finance Corporation Limited ACN 094 317 647. ©Pepper Money Limited ABN 55 094 317 665, Australian Credit Licence Number 286655, is the servicer of loans made by Pepper Finance Corporation Limited ABN 51 094 317 647.

The Bank of Mum and Dad (BOMD) has been getting plenty of attention lately, with growing focus on the costs that can come with family support for borrowers.

Whether it's funds to assist with a deposit, or a guarantee on a parental property, a growing number of families are seeing the risks associated with this support materialise, creating stress on those family relationships.

Even with the best intentions, family financial support can create issues including:

• Unclear expectations: Was it a gift, a loan or an investment?
• Relationship breakdowns: Divorce or family disputes can complicate ownership and repayment.
• Financial pressure on parents: Helping one child may impact retirement plans or create inequality between siblings.
• Substantial restrictions on parents: Unable to downsize or move when they want, especially if the property valuation is lower than when a guarantee was put in place (even if parents have substantial equity).
• Future inheritance disputes: Other family members may question whether support was fair.
• Delayed independence: Borrowers may feel financially tied to parents for years.
• Legal uncertainty: Informal arrangements can become expensive to resolve if circumstances change.

It's a timely reminder that relying on family shouldn't be the only pathway into home ownership.

That's where Connective Skip creates another opportunity for brokers.

Many borrowers don't need help with servicing. They need help with the deposit. They're paying rent comfortably, earning a strong income and are ready to own, but haven't been able to save a traditional deposit. Others simply don't have parents in a position to help - or would prefer not to mix family and finances.

With Connective Skip, eligible clients can purchase with as little as a 2% deposit, no LMI, competitive interest rates - and fees that are lower than the cost of LMI. Better still, clients can often access up to 30% more purchasing power than a comparable 95% LVR loan with LMI, helping them buy the home they want, sooner.

For brokers, that means a simpler solution for clients and less risk for their family. Parents can make a smaller contribution towards a deposit, retaining the financial flexibility and resilience that they need to navigate their path to retirement. Sometimes, the best way to help a client is simply to show them there's another path.

Showing clients another path to home ownership

If you have clients struggling to save a deposit or relying heavily on family support, your Connective Lending Manager or Connective Skip BDM can help discuss alternative purchasing pathways.

For decades, Australians worked hard and paid off their mortgage, expecting a comfortable retirement. However, many of your clients aged over 60 may now find that the rising cost of living is eroding the lifestyle they planned for.

How could Connective Reverse help you reconnect with your older clients and help them enjoy a better life?

Read the full article below.

Supporting retirement funding conversations

Connective Reverse BDM contacts

Connective Horizon has announced a range of pricing improvements across its Full Doc Prime and Alt Doc Prime residential lending products, delivering even greater value for owner-occupiers, investors and self-employed borrowers.

Full Doc Prime

Rates Reduced Across Key Segments

Recent pricing updates include:

• Owner Occupied Interest Only rates reduced by 10bps
• Investment Interest Only rates reduced by 20bps
• Investment Principal & Interest rates (70-80% LVR) reduced by 10bps

Best rates now available:

• Owner Occupied P&I from 6.49% p.a. (≤70% LVR)
• Owner Occupied IO from 6.69% p.a. (≤70% LVR)
• Investment P&I from 7.14% p.a. (≤70% LVR)
• Investment IO from 7.34% p.a. (≤70% LVR)

Key features:

• Up to 80% LVR
• Loan amounts from $50,000 to $15 million)
• P&I and IO repayment options
• Owner-occupied and investment lending
• Jumbo lending opportunities available

Alt Doc Prime

More Value for Self-Employed Borrowers

Recent reductions include:

• Owner Occupied P&I and IO rates (≤70% LVR) reduced by 10bps
• Investment IO rates reduced by 15-20bps
• Investment P&I rates reduced by 5-10bps

Best rates now available:

• Owner Occupied P&I from 6.99% p.a. (≤70% LVR)
• Owner Occupied IO from 7.14% p.a. (≤70% LVR)
• Investment P&I from 7.19% p.a. (≤70% LVR)
• Investment IO from 7.34% p.a. (≤70% LVR)

Key features:

• Up to 80% LVR)
• Flexible Alt Doc income verification
• Suitable for many self-employed borrowers
• P&I and IO repayment options
• Loan sizes up to $15 million

These latest pricing enhancements provide brokers with more competitive solutions and greater flexibility across a broad range of residential lending scenarios.

Rates and comparison rates are subject to change. Lending criteria, fees and charges apply.

Putting sharper pricing to work for your clients

If you have owner-occupier, investor or self-employed client scenarios to discuss, your Connective Lending Manager or Connective Horizon representative can help you explore available lending options.

From 1 July 2027, negative gearing benefits will be limited to newly built residential properties, while existing properties purchased after 12 May 2026 will face restrictions on how rental losses can be claimed.

With current property owners grandfathered into existing rules, the changes are expected to increase the appeal of new-build investments. For brokers, this presents an opportunity to help investors maximise potential tax benefits while supporting long-term wealth creation through property.

This version is more concise, easier to scan, and focuses on the borrower conversation brokers are likely to have with investor clients.

Connective Horizon Construction Loans

Beyond potential negative gearing benefits, Connective Horizon Construction Loans provide flexible solutions designed to support clients from land purchase through to completion while helping maximise borrowing capacity.

• Competitive construction rates starting from 7.99% p.a. (≤65% LVR), with all interest rates recently reduced by 5bps.
• Progressive drawdowns aligned to construction stages.
• Loan sizes up to $15 million.
• Full Doc, Alt Doc, Expat and Non-Resident options available.
• Support for owner-occupiers and investors.
• After construction, loans revert to Connective Horizon variable rates, currently starting from 6.49% p.a.
• Dedicated BDM and credit support for complex scenarios.

Supporting investor conversations around new-build opportunities

For investor scenarios involving construction finance, your Connective Lending Manager or Connective Horizon representative can help discuss available lending solutions.

For brokers working with high-net-worth clients, Connective Horizon continues to offer Jumbo Loan solutions across residential, commercial and private lending transactions. Loan sizes up to $15 million are available, with larger facilities considered on application.

Combined with flexible documentation options and specialist credit support, Jumbo Loans remain an effective solution for prestige residential purchases, commercial acquisitions and complex refinancing scenarios.

When standard lending limits aren't enough

If you have clients requiring larger loan facilities, your Connective Lending Manager or Connective Horizon Relationship Management Team at rmteamhorizon@brighten.com.au | 13 14 88 to discuss available jumbo lending solutions.

As SMSF investors start to look beyond residential property, commercial property is coming into focus. For brokers, that's an opportunity to open new discussions with existing SMSF clients, while expanding the range of lending solutions you can offer.

How Elevate can help you grow your SMSF business:

• Residential (refi) and Commercial SMSF lending solutionss
• Support clients exploring commercial property investment through their SMSF
• Specialist SMSF expertise for more complex scenarios
• Opportunities to strengthen relationships with accountants, advisers and referral partners

Having a commercial property SMSF solution in your toolkit could help you uncover opportunities that may have otherwise been missed.

Discuss your clients' SMSF opportunities

Whether you're assessing a new opportunity or working through a complex SMSF scenario, your Connective Lending Manager or Connective Advance BDM can help you identify and structure the right solution for your clients.

Some of the best opportunities sit just outside prime or traditional lending. Whether it's a self-employed client, debt consolidation opportunity or borrower with a more complex financial position, Elevate gives you more ways to help clients who may not fit mainstream policy.

Why more brokers are use Elevate for residential loans:

• Alt Doc options for self-employed borrowers
• Debt consolidation solutions to help simplify client finances
• Support for borrowers with complex income scenarios
• Full Doc and Alt Doc lending options
• More opportunities to write deals that might otherwise be missed

When a deal doesn't fit the traditional mould, Elevate can help you find another pathway forward.

Discuss your next residential scenario

We can help you explore residential lending scenarios and identify potential options for clients who may not fit mainstream policy. Contact your Connective Lending Manager or Connective Elevate BDM can help you identify the right solution and work through suitable scenarios.

When clients are ready to purchase business premises, invest in commercial property or grow their portfolio, Elevate can help you.

Why brokers are turning to Elevate Commercial:

• Broaden your offering without needing a commercial lending specialist
• Support owner-occupiers and investors with property finance solutions
• Access Full Doc and Alt Doc options for a wider range of borrowers
• Help clients leverage equity and pursue growth opportunities
• Keep valuable client relationships under one roof
• No clawback, helping protect the value of your hard work

Commercial opportunities don't need to leave your pipeline. With Elevate, you can support more client needs while growing your business.

Talk through your next commercial scenario

Whether you're placing a straightforward commercial deal or exploring a more complex scenario, your Connective Lending Manager or Connective Elevate BDM can help you structure the right solution and keep more opportunities with your business.

Your back book could be full of refinancing opportunities. If you have SMSF clients who haven't reviewed their lending in a while, now is a great time to reconnect.

With EasyRefi, eligible SMSF residential refinance applications are simpler than ever, backed by rates from 6.94% p.a., a streamlined assessment process and a simplified document pack designed to make refinancing easier.

Why you’ll love EasyRefi:

• No servicing assessment for eligible applications.
• No additional funds required from clients, with eligible costs able to be waived or added to the loan.
• Previous legal advice can be relied upon, helping reduce duplication and save time.

Help your eligible SMSF clients make the most of a simpler refinancing experience with EasyRefi.

Helping SMSF clients review existing lending arrangements

If you have SMSF clients who may benefit from reviewing their current loan structure, your Connective Lending Manager or Connective Complete BDM can help discuss available refinancing options.

The Connective Complete team is growing, and we're excited to welcome our new BDM for Vic & Tas, Michael Riley.

About me

I’m happily married to my wife, Carolyn, and together we have three adult children and four wonderful grandchildren. Spending quality time with family is important to me, whether it’s relaxing with the grandkids or catching up with our extended family and friends.

Outside of work, I’m a passionate sports fan and enjoy watching most sports, particularly AFL and cricket (I’m a loyal Essendon supporter). I also enjoy getting out for a regular social round of golf.

How I can support you

My role is simple: to help you deliver exceptional outcomes for your clients while supporting the growth of your business.

Having worked as both a broker and in the finance industry for many years, I understand the realities of the role, the daily challenges brokers face, and what it takes to succeed in a competitive market. My aim is to make your job easier by being accessible, responsive and solutions-focused, providing the support you need when you need it.

I believe the best partnerships are built on trust, consistency, and open communication. I see myself as an extension of your business; a dependable partner who is committed to helping you achieve the best possible outcomes for your clients and supporting your long-term success.

What excites me about this opportunity

I'm excited to work with a lender that has a strong reputation for providing flexible, tailored lending solutions for self-employed Australians, a market that is often underserved by traditional lenders.

It's a culture that aligns perfectly with my own approach: building trusted partnerships, delivering exceptional service and helping brokers and their clients succeed.

The new financial year has started with the sharpest working capital reset SMEs have faced in years.

Since 1 July, your business clients have been paying super every pay cycle instead of quarterly, absorbing a 4.75% award wage increase, and doing it all while customer payments run at their slowest in six years.

Behind them sits an ATO that issued close to 85,000 Director Penalty Notices last financial year to cover $5.5 billion in debt liabilities.

Ahead of them: underlying inflation at 3.6% and bank economists tipping rate rises before Christmas.

Cash is leaving businesses faster, arriving slower, and costing more to replace.

Why the review conversation happens now

Every conversation you're having with business clients right now about payroll, tax, suppliers and growth plans is a working capital conversation. Clients who lock in the right working capital structure this quarter could better manage their cash flow to a strong plan.

Match the facility to the gap

Connective Cashflow gives you two revolving credit lines to solve both sides of the equation, with no upfront real estate security:

Debtor Finance - unlocks up to 85% of invoice value within 24 hours, with limits up to $25M per ledger, no debt service tests and no financial covenants. Funding grows with turnover, making it the answer for clients squeezed by slow payers, ATO obligations or the shift to payday-cycle super.

Trade Finance - pays local and international suppliers upfront, with Fast Matrix approvals. Ideal for clients chasing bulk purchase discounts or restructuring finances to free up assets.

Existing bank facilities can stay in place, and clients juggling multiple cash flow lenders can consolidate into one.

What's in it for you - and them

Upfront commissions, ongoing trail, and airline reward points on settled deals. Clients could collect points on facility usage as well.

Start the FY27 conversation while the plans are still being written. Spot and refer, or ask your Connective Cashflow BDM to workshop a scenario.

As the new financial year begins, now is a valuable time to revisit clients whose property plans, financial position or preferred exit strategy may have changed.

With a single-security bridging loan, Connective Bridge takes security over the existing property only - helping clients access equity to move forward with greater flexibility.

A single-security bridging loan:

1. Provides added flexibility for downsizers, allowing them to utilise their equity for purchases in tightly held retirement or community homes, while unlocking more time to make the right decision.
2. Allows equity to be utilised to fund cosmetic improvements, consolidate finances, or support their next purchase before selling.
3. Helps investors make the most of market timing and opportunities, providing short-term access to their equity without having to sell first.

As you review your pipeline for FY27, consider whether you have clients approaching settlement whose circumstances or original plans have changed.

Schedule a call with your local Connective Bridge BDM to workshop your upcoming scenarios and explore whether a single-security bridging solution could help your client move forward.

A flexible option for clients whose plans have changed

If you have clients reviewing their next move, downsizing plans or property strategy, your Connective Lending Manager or Connective Bridge BDM can help assess whether a bridging solution may be suitable.

With sharper pricing across key lending products, we're making it even easier for you to deliver competitive funding solutions for your clients, whether they're purchasing commercial property, growing their business or investing through an SMSF.

Reduced Residential SMSF rates

We’ve reduced Residential SMSF rates across all loans up to $3M, and across loans up to $3.5M at up to 65% LVR, helping you deliver stronger outcomes for your clients.

Reduced Commercial SMSF rates

With reductions varying by loan amount and LVR, explore the latest rate sheet to see how these reductions could help create more opportunities for your clients.

• Across Commercial Full Doc and Full Doc Max rates up to 75% LVR.
• Across Commercial SMSF rates up to 70% LVR.

SMSF Commercial Edge promotion

Commercial SMSF fees waived and reduced*

• Zero loan documentation fee
• Zero title insurance fee
• Zero insurance stamp duty
• 50% off establishment fee

*This promotion is not automatically applied - contact our team to activate this offer. All other legal, settlement and valuation fees remain payable by the borrower. For full details and T&Cs, visit the link below.

Making the most of reduced SMSF lending costs

If you have SMSF clients considering property purchases, business growth or refinancing opportunities, your Connective Lending Manager or Connective Advance BDM can help you discuss current pricing and available promotions.

With residential lending becoming increasingly competitive, commercial lending is presenting a significant opportunity for brokers looking to expand their offering. Demand continues to grow as more businesses seek flexible funding solutions and borrowers increasingly rely on brokers to navigate complex lending scenarios.

What's driving demand?

Commercial lending activity continues to strengthen, particularly among:

• Self-employed borrowers and SMEs
• Trust and company structures
• Commercial SMSF lending
• Private lending solutions

As traditional banks become more selective, borrowers are seeking lenders who can take a more practical, case-by-case approach.

Current market trends

Brokers are seeing particularly strong demand for:

• Industrial warehouses and logistics facilities
• Owner-occupied commercial premises
• Commercial property purchases through SMSFs
• Business owners purchasing their premises instead of leasing

Industrial property continues to outperform many other sectors, while retail remains more location-dependent.

Structure matters

Unlike residential lending, commercial finance is rarely a one-size-fits-all solution.

The right loan structure can have a significant impact on both approval and long-term outcomes. Depending on the borrower's circumstances, this may involve:

• Company or trust borrowers
• SMSF lending structures
• Guarantor arrangements
• Tailored commercial loan facilities

A well-structured application not only improves efficiency but helps ensure the finance aligns with the borrower's broader business objectives.

More than just interest rates

While pricing remains important, commercial borrowers are often more focused on:

• Flexibility
• Speed and certainty
• Loan structure
• Practical lending solutions
• Confidence that the deal will settle as expected

An opportunity for brokers

Despite brokers writing around 77% of residential mortgages, only a relatively small proportion actively write commercial loans.

For brokers prepared to build their knowledge, commercial lending offers an opportunity to:

• Diversify revenue
• Strengthen client relationships
• Support more complex borrowing needs
• Generate referral opportunities through accountants, solicitors and business advisers

The takeaway: As commercial lending continues to evolve, brokers who expand their expertise across commercial, SMSF and private lending will be well positioned to support increasingly sophisticated borrowers while growing a more diversified business.

Taking the next step into commercial lending

Whether you're exploring your first commercial deal or expanding your commercial offering, your Connective Lending Manager or Connective Advance BDM can help workshop suitable lending structures and opportunities.

Commercial SMSFs continue to present valuable opportunities for business owners and investors looking to build long-term wealth through property.

While SMSF borrowing for residential property is expected to be phased out, commercial property strategies remain unchanged, creating continued opportunities for brokers and their clients.

Connective Advance offers extensive SMSF lending experience and supports a broad range of ownership structures, including:

• Tenants in common
• In-specie transactions
• Bespoke unit trust arrangements

We also support more complex borrower structures, including family trusts, multiple trustees and layered guarantor arrangements, helping simplify documentation and lending pathways.

Recently settled transaction

Industrial | Port Macquarie, NSW | $1,200,000 | 75% LVR | 30 years P&I

The borrowers were existing SMSF clients, comprising one PAYG borrower and one self-employed sole director of a long-established automotive franchise.

The borrowers were purchasing premises they were already leasing, located within the same complex as another existing SMSF security.

Individual property valuations were accepted to calculate the LVR, removing the need for an "in one line" valuation.

Commercial SMSF lending continues to be a practical strategy for clients focused on long-term business and investment objectives.

Refer to our Product Info and Rates for full details or Contact the team if you have a SMSF scenario you’d like to discuss.

Supporting more complex SMSF structures

Whether you're structuring a new commercial SMSF purchase or navigating more complex ownership arrangements, your Connective Lending Manager or Connective Advance team can help.

Whether your client needs short-term funding, additional flexibility or a fast solution while transitioning between projects or assets, Connective Advance Private Lending can help bridge the gap.

When traditional lending timeframes don't align with your client's needs, Private Lending can provide a practical solution for short-term, transitional or urgent funding requirements.

Clients can benefit from lower upfront setup costs, longer loan terms, no early repayment fees and no clawback provisions.

Private Loan

Suitable for business or property investment, business equipment purchases, working capital, line of credit facilities, refinance and debt consolidation.

Features include:

• Two servicing and income verification options
• Residential, commercial and specialised property security accepted
• No ongoing fees
• No early repayment fees

Residual Stock Loan

Designed for property developers looking to borrow against recently completed developments of 5 to 35 units, with less than 50% retained by the developer.

Recently settled transaction

Large residential property | Hampton Park, VIC | $3,315,000 | 66% LVR | 3 years IO

The borrowers were a Unit Trust seeking funding to renovate an existing residential property into a boutique hotel, with servicing supported by income outside the proposed business.

A General Security Agreement was taken only from the property-holding entity, with no Guarantee or GSA required from the operating entity, providing greater flexibility for future business operations.

Broker commission

0.60% upfront, with flexibility up to 2.0%.

Please note: Private Loans do not attract trail commission.

Refer to our Product Info and Rates for full details or Contact the team if you have a SMSF scenario you’d like to discuss.

Flexible funding when timing matters

Whether your client needs bridging, working capital or transitional funding, your Connective Lending Manager or Connective Advance team can help determine the right private lending solution.

To celebrate the launch of Connective Skip, we're giving one lucky broker the chance to win a $250 Best Restaurants Gift Card.

Simply complete our quick Connective Skip quiz and answer all questions correctly by close of business Friday 3 July 2026. Every broker who achieves a perfect score will automatically go into the draw to win.

It's a great opportunity to test your knowledge and learn more about Connective Skip, our newest lending solution designed to help eligible clients with strong servicing get into the property market sooner.

Get to know Connective Skip

Complete the quiz to build your knowledge of Connective Skip and discover how it can help eligible clients who are ready to buy but don't meet traditional deposit requirements.

• No LPF or risk fee up to 80% LVR
• No large loan fee up to $2.5 million
• Faster decisions and less paperwork with Alt Doc Xpress

Or go with a Prime Full Doc home loan, with no risk fee up to 90% for residential properties for a limited time*.

Speak to your BDM.

Information is correct as of 17 June 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

*Promotion applies to new Prime Home Loan (Full Doc) residential purchase applications up to 90% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted and conditionally approved between 12:00am AEDT 1 April 2025 and 11:59pm AEST 1 July 2026.

Applications lodged after the promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

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Speak to your BDM

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Finding the right fit for Prime and Alt Doc borrowers

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ether your client requires a Prime Alt Doc solution or a Prime Full Doc home loan, your Connective Lending Manager can help you navigate available options and determine the most suitable pathway.

The Bank of Mum and Dad (BOMD) has been getting plenty of attention lately, with growing focus on the costs that can come with family support for borrowers.

Whether it's funds to assist with a deposit, or a guarantee on a parental property, a growing number of families are seeing the risks associated with this support materialise, creating stress on those family relationships.

Even with the best intentions, family financial support can create issues including:

• Unclear expectations: Was it a gift, a loan or an investment?
• Relationship breakdowns: Divorce or family disputes can complicate ownership and repayment.
• Financial pressure on parents: Helping one child may impact retirement plans or create inequality between siblings.
• Substantial restrictions on parents: Unable to downsize or move when they want, especially if the property valuation is lower than when a guarantee was put in place (even if parents have substantial equity).
• Future inheritance disputes: Other family members may question whether support was fair.
• Delayed independence: Borrowers may feel financially tied to parents for years.
• Legal uncertainty: Informal arrangements can become expensive to resolve if circumstances change.

It's a timely reminder that relying on family shouldn't be the only pathway into home ownership.

That's where Connective Skip creates another opportunity for brokers.

Many borrowers don't need help with servicing. They need help with the deposit. They're paying rent comfortably, earning a strong income and are ready to own, but haven't been able to save a traditional deposit. Others simply don't have parents in a position to help - or would prefer not to mix family and finances.

With Connective Skip, eligible clients can purchase with as little as a 2% deposit, no LMI, competitive interest rates - and fees that are lower than the cost of LMI. Better still, clients can often access up to 30% more purchasing power than a comparable 95% LVR loan with LMI, helping them buy the home they want, sooner.

For brokers, that means a simpler solution for clients and less risk for their family. Parents can make a smaller contribution towards a deposit, retaining the financial flexibility and resilience that they need to navigate their path to retirement. Sometimes, the best way to help a client is simply to show them there's another path.

Showing clients another path to home ownership

If you have clients struggling to save a deposit or relying heavily on family support, your Connective Lending Manager or Connective Skip BDM can help discuss alternative purchasing pathways.

Getting your self-employed clients approved is easier than you think.

We only require one year of financials and a minimum of 12 months ABN registration. It's as simple as that.

Our cash out policy is flexible

We give your clients the flexibility they need.

• Up to $100k (max 90% LVR)
• Up to $500k (max 80% LVR) with clearly stated purpose and good quality submission notes
• Over $500k (max 80% LVR) with supporting evidence and documentation

We don't cap debt consolidation

That's right. There's no cap on the number of debts your clients can consolidate.

To make sure your scenario fits our Credit Policy scope, it's a good idea to chat with us about the application before you submit it.

Supporting self-employed lending scenarios

If you're working with self-employed borrowers, debt consolidation scenarios or larger cash out requests, your Connective Lending Manager can help determine whether the application fits policy before submission.

For many clients, the transition into residential aged care is clouded by a single, stressful question:

"Do we have to sell the house to pay for care?"

With Connective Reverse, the answer is no.

Your clients can fund aged care costs by drawing on their home equity, allowing them to retain the family home.

Read our latest article for full details and practical case studies below.

Aged care funding conversations made easier

Want to launch an aged care marketing campaign or discuss a specific scenario? Call your Connective Reverse BDM today.

Kylie Fox (VIC)
M: 0438 802 415
E: kylie.fox@householdcapital.com

Rachel Bell (NSW, QLD)
M: 0447 155 144
E: rachel.bell@householdcapital.com

Craig Faulkiner (SA, WA)
M: 0447 781 466
E: craig.faulkiner@householdcapital.com

The Australian property market continues to attract strong interest from overseas buyers, returning expats and non-resident investors. Yet for many of these clients, standard lending pathways create unnecessary friction.

Connective Horizon's international lending solutions are designed to help brokers navigate cross-border complexity and convert more of these opportunities.

Why this matters

Overseas income, foreign currency earnings and visa status can complicate serviceability assessments, even when the underlying financial position is strong. Many lenders apply blanket restrictions to non-residents and expats without distinguishing between borrower profiles, leaving well-qualified clients without a pathway to finance.

Residential home loan products for international borrowers

Connective Horizon offers two dedicated residential home loan products for international clients, each tailored to a specific borrower profile.

Connective Horizon Non-Resident Home Loans

• Available to Australian temporary residents and non-residents of Australia (salaried or self-employed)
• Variable rate from 7.33% p.a. (comparison rate 7.86% p.a.)
• Loan sizes: $150,000 to $15,000,000 | Max LVR: 80% | Up to 30-year term
• Principal and interest or interest only (up to 5 years); variable or fixed rates (1 to 3 years)
• Security: apartments, townhouses and houses
• Borrowers accepted from 26 countries including China, Hong Kong SAR, Singapore, UAE, UK and USA
• Documents required: certified copy of passport and ID card; personal credit report from country of residence; income verification

Connective Horizon Expat Home Loans

• Available to Australian citizens, permanent residents or temporary residents with income in AUD or an acceptable foreign currency
• Variable rate from 6.99% p.a. (comparison rate 7.50% p.a.)
• Loan sizes: $50,000 to $15,000,000 | Max LVR: 80% | Up to 30-year term
• Principal and interest or interest only (up to 5 years); variable rate
• Security: apartments, townhouses and houses (Category 1 and 2 postcodes)
• Unlimited cash out available
• Paid defaults up to $500 may be considered
• Documents required: residency and income verification documentation

Across both products

• Foreign income accepted and converted using transparent currency policy
• Alt Doc income verification options available
• No requirement for Australian tax residency where borrower profile and security meet policy
• Streamlined application process with dedicated support from the Relationship Management Team

The broker opportunity

Overseas-based and returning clients often come to brokers with strong equity, stable income and clear purchase intent but without a clear lender fit. Brokers who understand Connective Horizon's international lending criteria can structure these scenarios with confidence and convert deals that others decline.

Supporting cross-border lending opportunities

For expat, foreign income and non-resident scenarios, your Connective Lending Manager or Connective Horizon BDM can help assess eligibility and structure the right lending solution.

Contact the Relationship Management Team at rmteamhorizon@brighten.com.au or 13 14 88 (request the Connective Horizon Relationship Management Team).

Large loan applications require a lender that can move with the same speed and certainty as smaller deals. Connective Horizon's Jumbo Loan offering gives brokers a clear pathway for high-value residential and commercial transactions without the delays that often accompany complex, large-balance applications.

Residential and commercial lending capabilities

Connective Horizon supports high-value transactions across residential, commercial and private lending, with loan sizes up to $15,000,000. Jumbo loans over $15 million are available POA. Speak with your BDM.

Commercial lending

Full Doc

• Variable from 7.49% p.a. (≥60% LVR)
• Up to 80% LVR
• Owner occupied or investment
• P&I or IO
• Establishment fee: 0.85%

Lease Doc (Investment)

• Variable from 7.89% p.a. (≥50% LVR)
• Up to 70% LVR
• P&I or IO
• Establishment fee: 1%

Alt Doc

• Variable from 8.29% p.a. (≥65% LVR)
• Up to 80% LVR
• Owner occupied or investment
• P&I or IO
• Establishment fee: 1%
• 1-year financials available (+0.4% p.a.)

Private / Short-Term Lending
For bridging and short-term scenarios across residential and commercial security.

• Company borrowers
• Loan terms from 3 months to 3 years
• Interest only monthly in advance
• Residential security: variable from 8.49% p.a. | Up to 70% LVR
• Commercial security: variable from 8.99% p.a. | Up to 65% LVR
• Vacant land up to 65% LVR (+0.5% p.a., approved case by case)
• Loans up to $15,000,000
• Up to 5 loan splits
• Unlimited cash out
• Credit impairment may be considered
• Establishment fee: 1.5%
• Commitment fee: $1,950

Across all segments

• Experienced credit team familiar with high-value residential and commercial property transactions
• Dedicated BDM and State Manager support
• Alt Doc options for self-employed and non-resident borrowers
• Postcode Tool available to confirm location eligibility before progressing the application

Designed for complex, high-value scenarios

From prestige owner-occupier purchases to large investor acquisitions and bridging transactions, Connective Horizon's Jumbo Loan solutions are built around the realities of high-value lending.

Combined with our international borrower capabilities, they provide a strong option for overseas buyers and returning expats looking to acquire premium Australian property.

Structuring large and complex transactions

For high-value residential, commercial or short-term lending opportunities, your Connective Lending Manager or Connective Horizon team can help structure the scenario and identify the most suitable pathway.

What's unchanged, and why it matters

Super remains insulated from proposed CGT and negative gearing changes. Expenses can still be offset against all fund income, with CGT at 10% in accumulation and 0% in retirement phase.

Where we expect appetite to move

We anticipate stronger demand for established residential investment properties within SMSFs, as investors prioritise stability and long-term performance over new builds.

What's driving the shift

Increased competition from owner occupiers and a potential tilt of investor demand toward new developments may reshape buying dynamics. At the same time, depreciation benefits play less of a role, reducing the appeal of new stock.

Understanding changing SMSF property trends

As SMSF investor preferences continue to evolve, your Connective Lending Manager or Connective Elevate BDM can help identify opportunities and discuss suitable lending scenarios.

Where we're seeing strong fit

Self-employed borrowers with fluctuating or recently improved income, especially where latest financials don't reflect current performance. Alt Doc remains a powerful solution to bridge that gap.

EOFY planning opportunities

Self-employed clients' financials may be up to 12 months old. Now's the time to lean into Alt Doc to present a more accurate, up-to-date position. This keeps deals moving while clients finalise returns.

Unlocking deal flow through debt consolidation

Rising tax debt and multiple liabilities are common this time of year. Consolidation scenarios can simplify repayments and improve serviceability outcomes.

Stronger outcomes through broker and accountant collaboration

Partner with accountants and referral networks early to help clients structure their returns strategically, setting them up for better borrowing outcomes.

Servicing that supports more approvals

While majors adjust buffers, Connective Elevate remains steady with 1.5% for Prime and Near Prime under 70% LVR and 2% for others. This creates more headroom for borrowers to qualify.

Q3 opportunity: act early, win more deals

Brokers who move proactively on Alt Doc scenarios now can get ahead of the post-EOFY rush and unlock opportunities others may miss.

Making the most of EOFY Alt Doc opportunities

For self-employed clients whose current position is stronger than their financials suggest, your Connective Lending Manager or Connective Elevate BDM can help assess whether an Alt Doc solution may be suitable.

Why commercial is gaining traction

Commercial property retains the ability to offset expenses against all income, not just property income. This creates a compelling case for investors reassessing portfolio strategy.

What this means for brokers

Expect an uplift in commercial lending enquiries as clients explore higher yielding and more flexible investment options.

How Connective Elevate supports you

Our commercial loan offering is fully integrated with ApplyOnline, delivering a familiar lodgement experience, a digital application process, and simple document uploads with no back and forth.

Lean in now

With demand building, now is the time to engage your Elevate BDM and get ahead of upcoming commercial opportunities.

Positioning for increased commercial demand

If more clients are starting to explore commercial opportunities, your Connective Lending Manager or Connective Elevate BDM can help you navigate the process and identify suitable lending solutions.

June is here, and for Australia's small business owners and self-employed borrowers, that means one thing: tax time is in full swing.

As your clients turn their attention to their financial position, concerns around tax debt can quickly come to the surface. The good news? There are practical solutions available to help ease the pressure.

• Our SE Prime product is available for tax debt purposes, and our standard residential and commercial products can all be used to pay out ATO debts (excluding SMSF).
• No loading for tax debt and we price against security, not purpose.
• Share our ATO default/debt policy and our discharged bankruptcy policy to give clients with less-than-perfect credit histories greater flexibility.

If you're working with clients who may be feeling the strain, we're here to support you with options designed to help them manage their tax obligations and move forward with confidence during this busy period.

Practical options for tax debt conversations

If tax debt is becoming a barrier for your clients, your Connective Lending Manager or Connective Complete BDM can help you explore suitable options and assess potential lending pathways.

New research conducted by Connective Complete into Australia's SME and self-employed segment regarding the Federal Budget reveals a significant shift in borrower sentiment:

• 84% feel less confident about their financial future
• 93% say it's becoming harder to succeed in business
• 73% are more financially stressed than a year ago
• 64% are less likely to hire staff in the next 12 months
• 88% expect a negative impact on business confidence

Recurring revenue. Real rewards.

Just as importantly, many are delaying major financial decisions, including investing in their business, hiring staff and purchasing property.

What this means for brokers and your business

Your clients aren't saying "no", they're saying "not yet" because they're uncertain and worried. In that uncertainty lies your opportunity to build long-term trust.

Ways you can respond

Lead with reassurance, not urgency

Clients are already feeling pressure. Position yourself as a steady, informed guide. Reframe lending as a strategy, not just a transaction, and help clients understand how lending can improve cash flow, provide flexibility and create a buffer in uncertain decisions.

Get ahead of delayed decisions

If clients are postponing property purchases, refinancing and business investment, you can use scenario planning to keep momentum without forcing action.

Double down on education

Many self-employed borrowers are unsure how they'll be assessed. Clear guidance on documentation, servicing and lender appetite builds confidence early.

Stay proactively connected

Silence can be misinterpreted as lack of support. Regular check-ins, especially during uncertain times, reinforce your role as a trusted partner.

Partnering with a specialised lender matters more than ever. With nearly 20 years of experience supporting Australia's self-employed, Complete understands the nuances of SME income, evolving business conditions and the importance of flexible lending solutions.

For brokers, that means greater confidence in placing deals, clearer pathways for complex scenarios, and the ability to provide clients with funding solutions that genuinely align to their needs, helping you strengthen trust and deliver long-term value when it counts most.

Guidance for self-employed clients under pressure

When self-employed clients are delaying decisions or unsure how they will be assessed, your Connective Lending Manager or Connective Complete BDM can help you work through documentation, servicing and lender appetite.

From 1 July 2026, the working capital pressure on Australian SMEs could get measurably worse.

Payday Super removes the quarterly super buffer businesses have quietly relied on for years. ATO enforcement is at a decade high, with Director Penalty Notices up 136% in FY25. Late payments are at a six-year high. And 68% of SMEs haven't adjusted their cash flow for any of it.

That's not a compliance problem. That's a commercial finance pipeline.

Every client conversation you're having right now about payroll, tax obligations, supplier payments or growth investment is a working capital conversation. The brokers who recognise this will see a significant amount of opportunity over the next 6 months.

Two products. Every cash flow problem covered.

Through Connective Cashflow, you can offer clients two revolving lines of credit with no upfront real estate security required: Debtor Finance releases up to 85% of invoice value within 24 hours. Limits up to $25M per ledger, no debt service tests, no financial covenants. Grows with turnover. The right solution for clients stretched by late payments, ATO obligations or the Payday Super transition.

Trade Finance pays local and international suppliers now. Fast Matrix approvals. Ideal for clients looking to take advantage of bulk purchases from suppliers or restructuring their finances to free up assets.

Both products sit alongside existing bank arrangements. Consolidation of existing cash flow lenders into a single facility is also available.

Recurring revenue. Real rewards.

Connective Cashflow delivers upfront and ongoing commissions on both products, plus airline reward points on settled deals. Your clients can earn points on facility usage too, giving them another reason to stay.

The window for new deals is now

EOFY is the most natural entry point for this conversation with your business clients. Whether it be spot and refer or reaching out to your Connective Cashflow BDM, they can help you structure scenarios and move applications forward quickly.

Working capital conversations that matter

If your SME clients are managing payroll, ATO obligations, supplier payments or growth funding, your Connective Lending Manager or Connective Cashflow BDM can help structure the right cash flow solution.

EOFY is fast approaching, and so is the end of our Move campaign.

Until 30 June, Connective Bridge is offering eligible new bridging clients $1,500 towards moving costs, helping them take the next step sooner and that little bit smoother.

With the EOFY nearing, now is the time to speak to clients who may be looking to buy before selling, secure their next home or move quickly before the end of the financial year.

How it works

• Apply now for 24-hour approval
• Settle before 30 June 2026
• Eligible customers receive $1,500 towards moving costs
• Paid directly into their nominated account within 30 days of settlement

Ideal for residential, owner-occupied, buy before selling transactions.

*T&C’s and lending eligibility criteria apply. See full offer terms for details.

CTA Line

Workshop a scenario with your local BDM

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Helping clients move before they sell

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For clients trying to secure their next home before selling, your Connective Lending Manager or Connective Bridge BDM can help review the scenario and confirm whether the Move campaign may apply.

*T&C’s and lending eligibility criteria apply. See full offer terms for details.

We specialise in helping business owners, commercial property investors and SMSF trustees secure funding when traditional lending policies may not fit. Every application is assessed on its individual merits, with a common-sense approach to credit assessment and no reliance on automated credit scoring.

Key Features

• Commercial and Commercial SMSF loans up to $10 million
• Up to 80% LVR
• Loan terms up to 30 years (P&I)
• Interest only options available for up to 5 years
• Commercial property acquisition, refinance and equity release
• Flexible cash out options up to 80% LVR
• GST funding available above standard LVR limits
• No annual reviews or ongoing revaluations
• No WALE or WAULT requirements

Broad Property Acceptance

Funding is available across a wide range of commercial property types, including:

• Office
• Retail
• Industrial
• Multi-residential
• Boarding houses
• Specialised securities
• Vacant land

Flexible Income Verification

Solutions are available for a range of borrower circumstances:

• Full Doc
• Mid Doc
• Quick Doc
• Lease Doc

Newly self-employed borrowers may also be eligible, with ABNs from as little as 3 months.

Enhanced Policy Benefits

• Extended loan terms up to 30 years for facilities over $4 million
• Simplified servicing with Mid Doc ICR reduced from 2.0x to 1.75x
• Commercial SMSF net asset requirement removed
• Lease Doc available with a minimum 2-year arm's length lease
• Line of Credit facilities available with 5-year terms and no annual reviews

When traditional commercial lending policies become restrictive, flexible assessment and practical lending solutions can help keep your transaction moving forward.

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When commercial policy needs more flexibility

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For commercial clients whose scenarios do not fit traditional lending policy, your Connective Lending Manager or Connective Advance BDM can help assess the opportunity and identify practical next steps.

If your SMSF loan clients are on higher rates, they might be looking to refi. If they think it’s right for them, our Seriously Simple SMSF refi makes it easier for eligible clients to switch lenders - with a streamlined assessment* based on their last 6 months’ repayments if:

• It’s for the same loan amount (plus loan set up fees)
• Repayments have been made on time
• Monthly repayments are reduced; and
• It's up to 80% LVR

Extended: Until 2 July 2026, access $0 app fee offer1 for Prime Seriously Easy SMSF Refis^{^} with a residential security^#.

Simpler SMSF refinance scenarios

For SMSF refinance scenarios involving eligible residential security, your Connective Lending Manager or Connective Solutions BDM can help you work through the application pathway and next steps.

Information is correct as of 22 May 2026 and is subject to change.

SMSF loans are available for corporate trustees only. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time. Refer to the rate card for our full range of interest rates and

^*1Seriously Simple SMSF refinance applications require the following: corporate trustee applicants; the same loan amount (plus loan set-up fees); a proposed repayment that is lower than the current SMSF loan repayments; demonstrated satisfactory repayment conduct (shown through 6 months of SMSF loan bank statements); and confirmation that the SMSF is currently compliant with the ATO.

²Application Fee promotion applies to eligible new Prime Seriously Simple SMSF Refi applications, with a residential security. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2025 and 11:59pm AEST 2 July 2026.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

Self-employed clients do not always fit neatly into standard income verification pathways. Connective Select’s Simple Self-employed policy gives brokers a practical option to know when working with eligible clients who have a clear trading history and consistent income evidence.

With a 1 business day SLA, this policy niche can help you assess suitable self-employed scenarios quickly and with confidence.

To be eligible, the business must be registered and trading for 3+ years, with no LMI, and a CCR One Score of 751 or above.

Income verification is also straightforward. All that’s needed is either:

• 6 months of consistent payroll transactions; or
• the last 2 years' Notices of Assessment.

No addbacks or non-recurring income adjustments are permitted.

This can be a useful pathway for eligible self-employed clients where the income story is simple, the documentation is clear, and speed to assessment matters.

Simple pathways for self-employed clients

For self-employed scenarios where the client has a strong trading history and clear income evidence, your Connective Lending Manager or Connective Select BDM can help you work through the policy requirements and next steps.

Australia’s small business owners and self-employed are now turning their focus to June, and to tax time. If you have clients who are concerned about their tax debt, we have solutions that can help them out during this busy time!

Our SE Prime product is available for tax debt purposes, and our standard residential products and commercial products can all be used to pay out ATO debts (excluding SMSF).

No loading for tax debt and we price against security, not purpose.

Share our ATO default/debt policy and our discharged bankruptcy policy to give clients with less-than-perfect credit histories greater flexibility.

Plus....

We’ve extended our promotions until further notice!

Tax debt solutions for self-employed clients

For self-employed clients managing tax debt or ATO debt scenarios, your Connective Lending Manager or Connective Complete BDM can help you work through the available residential or commercial options.

We know many Aussies are doing it tough.

That’s why our Prime Alt Doc home loan option offers are now BAU from 2 June.

• No LPF/ risk fee (similar to LMI) up to 80% LVR
• Large loan fee waiver (loans ≥$1.75m)

And by popular demand, we’re extending our no LFP/risk fees (similar to LMI) up to 90% LVR for our Prime Full Doc home loan option for residential properties. Offer ends 2 July 2026.

Prime home loan option support

For Prime Alt Doc or Prime Full Doc home loan scenarios, your Connective Lending Manager or Connective Solutions BDM can help you understand where these offers may apply.

Information is correct as of 22 May 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria, and lending limits. Terms, conditions, fees, and charges apply.

*Promotion applies to new Prime Home Loan (Full Doc) residential purchase applications up to 90% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted and conditionally approved between 12:00am AEDT 1 April 2025 and 11:59pm AEST 2 July 2026. Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

One in five Australians - 22% to be precise - are aged over 65. It’s a time when people are thinking about retirement, winding back, considering how to enjoy life on a fixed income. It’s that bit harder to envisage with the cost of living spiralling; and doubly hard if they’re still making regular repayments on a home loan.

Connective Reverse can help you connect with a growing demographic - the over 60s. It’s an opening to access opportunities that already exist in your loan book, or to target a new client set.

Your Connective Reverse BDMs would be happy to assist you work out a strategy to identify, target and communicate with relevant clients.

Kylie Fox (VIC)
M: 0438 802 415
E: kylie.fox@householdcapital.com

Rachel Bell (NSW, QLD)
M: 0447 155 144
E: rachel.bell@householdcapital.com

Craig Faulkiner (SA, WA)
M: 0447 781 466
E: craig.faulkiner@householdcapital.com

Identifying reverse mortgage opportunities

For opportunities within your existing loan book or a new over 60s client segment, your Connective Lending Manager or Connective Reverse BDM can help you work through an approach.

We’ve made it easier than ever to determine whether a property fits within Connective Horizon’s lending footprint.

Our Online Postcode Tool gives you instant clarity on residential lending eligibility, helping you qualify scenarios upfront and reduce unnecessary back-and-forth.

Why use the Postcode Tool?

• Instant postcode verification: Quickly confirm whether a location aligns with our lending parameters
• Faster deal assessment: Identify viable scenarios before progressing further
• More confident structuring: Understand eligibility early and position deals correctly

Built for real broker workflows

From investor purchases to more complex lending scenarios, the Postcode Tool helps you identify opportunities faster so you can focus on structuring the deal, not second-guessing location fit.

Have a scenario to validate? Reach out to your Connective Horizon BDM or the Relationship Management Team at rmteamhorizon@brighten.com.au | 13 14 88

Submitting commercial deals just got easier.

Connective Horizon now supports digital commercial applications via AOL (ApplyOnline), giving you a more streamlined and efficient way to lodge and manage submissions.

What this means for you:

• Simplified submission process: Lodge and manage commercial applications digitally
• Improved speed to credit: Reduce friction and delays with cleaner submissions
• Better visibility: Track progress and stay in control throughout the application lifecycle

This enhancement is part of our ongoing commitment to making specialist lending more accessible, efficient and broker-friendly.

Expanded Commercial Scope: Supporting Specialised Securities in Cat 1 Locations

We understand that commercial lending isn’t always straightforward and that many viable deals involve specialised asset classes.

That’s why Connective Horizon continues to support a broad range of specialised securities in Category 1 locations, helping you place deals that may fall outside traditional lender appetite.

We can consider:

• Vacant residential and industrial land (with or without DA)
• Hotels, motels and pubs
• Storage units (greater than 50sqm)
• Car yards and car parks
• Caravan parks
• Function centres
• Aged care facilities
• Childcare centres (Cat 2 also considered)
• Boarding houses / rooming houses (Cat 2 also considered)

Why this matters

Many of these asset classes are often overlooked or heavily restricted by mainstream lenders. With Connective Horizon, brokers have access to a more flexible credit approach unlocking opportunities across a wider range of commercial scenarios.

Whether your client is expanding their business footprint, investing in a niche asset or working with a more complex security, we’re here to help you structure the deal with confidence.

Streamlining and specialised commercial security scenarios

For commercial scenarios involving digital lodgement, specialised securities or niche asset classes, your Connective Lending Manager or Connective Horizon BDM can help you work through submission, location, security and structuring considerations.

With the 2026 Federal Budget now handed down, attention has turned to proposed changes across property investment and what they mean for SMSFs.

Key takeaways for SMSFs:

• Capital Gains Tax (CGT): Complying SMSFs will continue to benefit from the current CGT framework. Assets held for more than 12 months remain eligible for the one-third discount, resulting in an effective tax rate of 10% on capital gains. The proposed indexation method will not apply to SMSFs.
• Negative Gearing: Rental losses will continue to be used to reduce other forms of taxable income within the SMSF.
• Trust tax measures: SMSFs are excluded from the proposed 30% minimum tax on trusts.

What does this mean for your clients?

The unchanged tax treatment reinforces the stability of SMSFs as an investment structure.

As broader reforms reshape incentives for individual investors, established residential property is likely to become increasingly appealing within SMSFs - where existing CGT and negative gearing benefits remain in place. By comparison, individuals may need to focus on newly built properties to access similar advantages under the proposed rules.

Structuring SMSF opportunities with Elevate

With specialist SMSF support in place, we’re ready to help you identify and structure opportunities for your clients. Connect with your Elevate BDM for any SMSF scenario support today!

As we move through the end of financial year, accountants are front and centre, working closely with clients to finalise personal and company tax returns. This often brings ATO liabilities and broader business debt pressures into focus.

For brokers, it’s a timely opportunity to lean into your accountant referral network and offer practical, solution-focused support.

Positioning Elevate as a pathway to consolidate tax and business debt can help you turn these conversations into meaningful outcomes for clients.

Where Elevate can support your clients:

• Consolidate ATO and business debt into one manageable solution
• Lower monthly repayments and improve cash flow
• Reduce exposure to non-deductible interest
• Help clients regain control of their financial position
• Support self-employed borrowers with Alt Doc options - ideal for those who are asset-rich but cash-flow tight

Support for EOFY debt conversations

For clients managing ATO liabilities, business debt or cash flow pressure, your Connective Lending Manager or Connective Elevate BDM can help you explore where Elevate may support the scenario.

With the addition of Commercial Property lending, Elevate enables brokers to support a broader range of client needs without sending opportunities elsewhere.

The approach mirrors what you already know from residential lending, now extended to commercial securities.

Why brokers are leveraging Elevate for Commercial Property lending:

• Loan amounts from $100k to $3m
• Up to 80% LVR
• Terms up to 30 years (with a maximum of 5 years interest only)
• Full Doc and Alt Doc options available
• Offset sub-account functionality (excluding SMSF)
• Unlimited cash-out options (excluding SMSF)
• No clawback

When straightforward commercial opportunities arise, Elevate can help you keep the opportunity in-house and maintain momentum with your client.

Keeping commercial property deals in-house

For commercial property scenarios, your Connective Lending Manager or Connective Elevate BDM can help you explore whether Elevate is the right fit for your client.

With the RBA cash rate still elevated at 4.35%, ATO enforcement intensifying around tax debt, and supply chain volatility, Australian SMEs are feeling the squeeze on every side. And from 1 July 2026, Payday Super kicks in — wiping out the quarterly super "float" businesses have relied on for years and locking in a new fortnightly cash drain on payroll.

Your commercial clients need more than property lending right now. They need a broker who can solve cashflow.

Lines of credit built around the business, not the balance sheet

Both Trade Finance and Debtor Finance are revolving lines of credit — no upfront real estate security required. Funding is based on what your client's business actually generates:

• Trade Finance — a line of credit to pay local and international suppliers now and repay once goods sell. Fast Matrix approvals keep opportunities moving when timing is critical.
• Debtor Finance — a line of credit secured against receivables, releasing up to 85% of invoice value within 24 hours. Limits to $25M per ledger, funding up to 90 days EOM, no debt service tests, no financial covenants. Facilities grow as turnover grows.
• Refinance and consolidate — we can also explore if we can consolidate your client's existing cashflow lenders into a single, cleaner facility, often on more suitable terms.
• Flexible security — equipment or property only where the deal calls for it, and facilities sit alongside your client's existing bank arrangements.  Second mortgage ok, up to 80% on residential and 70% on commercial.

These are the exact tools SMEs need to absorb Payday Super, stay ahead of ATO obligations, and unlock the capital trapped in receivables and inventory.

More revenue. Stickier clients. Better rewards.

This isn't a one-off — it's recurring income:

• Upfront: 55% application fee
• Ongoing: 10% on Trade Finance transaction fees, plus 0.55% average drawn balance or 10% service fees on Debtor Finance
• Airline reward points: 125,000 Velocity or Qantas points per $1M settled — Gold status at $1M, Platinum status at $3M

Your clients also have the option to earn reward points on facility usage too, giving them another reason to stay with you.

Get ahead of the 2026 cashflow conversation

If you're working on a trade finance, debtor finance or working capital scenario, your Connective Cashflow BDM can help you shape the structure and progress the application with confidence.

Moving is a big life moment, and we want to make it smoother for your clients.

That’s why from now to 30 June, Connective Bridge is offering $1,500* to new bridging clients to help cover moving costs - so you can help them get into their new home sooner.

How it works

• Apply now for 24-hour approval
• Settle before 30 June 2026
• Eligible customers receive $1,500 towards moving costs
• Paid directly into their nominated account within 30 days of settlement

Ideal for residential, owner-occupied, buy before selling transactions.

Workshop buy-before-selling scenarios

For residential bridging scenarios where timing matters, your Connective Lending Manager or Connective Bridge BDM can help you work through the structure, eligibility and next steps.

*T&C’s and lending eligibility criteria apply. See full offer terms for details.

Commercial bridging through Connective Bridge gives brokers another way to diversify their offering and support clients with time-sensitive or complex commercial transactions.

Backed by property strength and a clear exit strategy, it can support equity release, refinance and residual stock scenarios for business borrowers.

Key features

• Loan amounts up to $5M
• LVRs up to 75%
• Terms up to 24 months
• No monthly repayments
• Conditional approval in as little as 72 hours

Designed to support scenarios such as:

• Buying before selling
• Equity release
• Refinancing
• Residual stock

Short-term commercial scenario support

For commercial bridging, refinance, equity release or residual stock scenarios, your Connective Lending Manager or Connective Bridge BDM can help you workshop the opportunity and confirm the right pathway.

Our team have deep SMSF knowledge and experience, offering a wide range of structural options such as;

• Tenants in common
• In-specie transactions and,
• Bespoke unit trust arrangements

Our ability to utilise projected concessional and non-concessional contributions for servicing is particularly beneficial for newly established funds or those seeking higher LVRs or loan amounts.

We can also refinance Related Party Member Loans that support real property at lower interest rates than the current ATO safe harbour deemed rate.

Associated party leaseback - which allows an associated party such as a member’s own business to lease the commercial property at market rent. This arrangement makes strong financial sense, as business owners can benefit from owning their premises and building wealth, rather than paying rent.

Tenants in common - where two or more parties each hold a defined share of a property. This structure can allow SMSFs to access more valuable properties than they could afford alone, or to partner with other investors for strategic reasons.

In-specie transfers – which allow the transfer of an asset into or out of an SMSF without selling it for cash. Instead of liquidating the asset and contributing the proceeds, the asset itself is contributed or distributed "in its current form”.

Refer to our Product Info and Rates for full details.

Working through complex SMSF structures

For SMSF scenarios involving acquisitions, refinancing or more complex structures, your Connective Lending Manager or Connective Advance BDM can help you work through the options available.

Quickli is already part of how many brokers work, so this partnership is a natural fit. Whether brokers need a quick sense check or a more detailed serviceability assessment, they can now do that in a familiar, intuitive format.

How this helps you

• Web-based and easy to use, removing the need to manage complex Excel files
• Embedded policy rules to support more consistent and accurate calculations
• Improved usability for fast scenario testing in the Quick Calculator
• Ability to create and save scenarios in the Full Calculator
• Generate a PDF to submit through your existing application process

It's easy to get started

1. Go to the sign in page.
2. Enter your accredited email address. 
3. Check for an email containing a secure sign in link.
4. Use this link to access the Full Digital Calculator.

Using Quickli for scenario assessment

Your Connective Lending Manager or Connective Advance BDM can help you understand how the Quick Digital Calculator and Full Digital Calculator can support Residential, Commercial and SMSF serviceability scenarios.

Interest-only, flexible, and repaid via BAS refund without disrupting cash flow.

When GST is payable at settlement, it can tie up your client's cash flow. Our GST Loans cover it short-term, so settlement stays on track. Your clients can preserve their liquidity without disrupting their core loan structure.

• Loan size: $10k–$500k
• Term: up to 6 months, repaid via BAS refund
• Structure: interest-only, no penalty for early repayment
• LVR: total LVR can lift by up to 10% to fit the GST
• Pairs with commercial or commercial SMSF loans (Full, Mid or Quick Doc)

How it works 🤝

1. Base loan approved under standard commercial or SMSF parameters
2. GST Loan added to cover the GST (up to 10% extra exposure)
3. Interest-only repayments for the term
4. Repaid in full once the BAS refund lands

GST loans can help ensure settlement proceeds are available on time, assist clients in preserving cash reserves, and provide brokers with a structured solution.

In case you missed it...We’re live with CitoPlus!

Commercial and SMSF applications can be submitted through CitoPlus via Mercury Nexus, providing a digital lodgement process designed to be efficient and straightforward.

Refer to our Product Info and Rates for full details

Structuring GST funding at settlement

For commercial or Commercial SMSF scenarios where GST is payable at settlement, your Connective Lending Manager or Connective Advance BDM can help you work through the structure and next steps.

Clients paying more than they need to? There’s now a faster, simpler option for eligible SMSF clients to refinance. A light touch serviceability assessment based on the last 6 month’s repayment history if:

• It’s for the same loan amount (plus loan set up fees)
• Repayments have been made on time
• Monthly repayments are reduced; and
• It's up to 80% LVR

Plus: limited time $0 application fee for Prime Seriously Easy SMSF Refi loans with residential securities until 1 June 2026 - and interest rates from 6.84% p.a.

A simpler path for the right SMSF refinance

If you have an SMSF client paying more than they need to, your Connective Lending Manager or Connective Solutions BDM can help you assess whether this refinance pathway is a fit.

Information is correct as of 17 April 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

SMSF loans are available for corporate trustees only. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time. Refer to the rate card for our full range of interest rates and fees.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

1Seriously Easy SMSF refinance applications require the following: corporate trustee applicants; the same loan amount (plus loan set-up fees); a proposed repayment that is lower than the current SMSF loan repayments; demonstrated satisfactory repayment conduct (shown through 6 months of SMSF loan bank statements); and confirmation that the SMSF is currently compliant with the ATO.

2Application Fee promotion applies to eligible new Prime Seriously Simple SMSF Refi applications, with a residential security. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2025 and 11:59pm AEST 1 June 2026.

We’ve expanded our Prime home loan offers to help you maximise more clients’ borrowing power, until 1 June 2026.

Full Doc option:

• No LPF or risk fees up to 90% LVR for residential properties

Alt Doc option:

No large loan fee (≥$1.75m) or Interest Only loading2

No LPF or risk fees up to 80% LVR for residential properties 3

Reduced Prime home loan (Alt Doc) interest rates up to 80% LVR for that extra bit of support.

We're currently at 1 day SLA and ready to get your next deal over the line.

More flexibility where policy settings matter

If you are working through a Full Doc or Alt Doc residential scenario, your Connective Lending Manager or Connective Solutions BDM can help you identify where these settings may improve the overall outcome for your client.

Information is correct as of 17 April 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

Promotion applies to new Prime Home Loan (Full Doc) residential purchase applications up to 90% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted and conditionally approved between 12:00am AEDT 1 April 2025 and 11:59pm AEST 1 June 2026.

Promotion applies to new Prime Home Loan (Alt Doc) residential purchase applications for interest only loans or loans ≥$1.75m. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2026 and 11:59pm AEST 1 June 2026.

Promotion applies to new Prime Home Loan (Alt Doc) residential purchase applications up to 80% LVR. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2026 and 11:59pm AEST 1 June 2026.

Promotion applies to new Prime Home Loan (Alt Doc) residential purchase applications up to 80% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted and conditionally approved between 12:00am AEDT 17 March 2026 and 11:59pm AEST 18 May 2026. Applications lodged after the Promotion Period will be offered the application interest rate, fees and credit policy then applicable.

The traditional path to Australian homeownership has fundamentally shifted, as skyrocketing prices have transformed the Bank of Mum and Dad from an occasional source of assistance into the nation’s ninth-largest mortgage lender.

This financial powerhouse now extends beyond housing deposits to cover mortgage repayments and education costs, making parental support a structural necessity for the next generation. However, while this generosity is noble, the current volatile economic climate dictates that such support must be managed with a strategic approach to ensure your clients do not inadvertently compromise their own security.

Read more below:

Helping clients give support without giving up security

If you are speaking with clients about helping children or grandchildren into the property market, your Connective Lending Manager or Connective Reverse BDM can help you explore whether equity release may be the right fit.

Flexible Solutions for Residential and Commercial Investments

SMSF lending continues to gain momentum as more Australians take control of their retirement strategy, and brokers are increasingly looking for lenders who can support complex structures with clarity and confidence.

At Connective Horizon, our SMSF offering is designed to do exactly that, with flexible solutions across both residential and commercial property, and a clear focus on scenarios that other lenders often struggle to support.

A Residential SMSF Solution Built for Flexibility

Connective Horizon’s residential SMSF product provides a straightforward pathway for trustees looking to invest in property through their super, without unnecessary complexity.

Where we stand out is in our ability to support a broader range of borrower profiles and structures. Whether it’s navigating layered SMSF arrangements or working with more nuanced income scenarios, our credit approach is built to find solutions, not roadblocks.

Key highlights include:

• Lending to individual and corporate trustees
• Flexible assessment of income within SMSF structures
• Support for a range of residential property types
• Competitive LVRs aligned to market expectations

For brokers, this means greater confidence placing SMSF residential deals, particularly those that may fall outside traditional policy.

Commercial SMSF Lending That Expands Broker Opportunities

Connective Horizon’s SMSF commercial loan is built to support real-world investor scenarios, offering flexibility across both Full Doc and Alt Doc borrowers.

With a strong focus on simplicity and accessibility, this product enables brokers to assist a broader range of SMSF clients, from established investors to business owners purchasing their own premises.

Key highlights include:

• Competitive Full Doc and Alt Doc options for SMSF borrowers
• Rates starting from 7.54%
• Loan sizes up to $3 million
• Individual trustees accepted (minimum two)
• LVR up to 80%

This combination of flexibility and competitive positioning makes it easier to structure SMSF commercial deals with confidence, particularly where traditional lenders may be more restrictive.

Supporting Brokers with Specialist Lending Expertise

SMSF lending can be complex, but with the right lender, it becomes a powerful opportunity.

Connective Horizon combines specialist credit expertise with a solutions-focused mindset, helping brokers navigate SMSF scenarios and deliver better outcomes for their clients across both residential and commercial investments.

More confidence across SMSF lending conversations

Whether the opportunity is residential or commercial, your Connective Lending Manager or Connective Horizon BDM can help you work through the structure and next steps with confidence.

In a competitive market, speed matters and nothing moves faster than a clean, well-packaged deal.

At Connective Horizon, many of the delays we see in credit come down to the same issue: missing information or unclear submissions. The good news? These are entirely avoidable.

If you want to consistently achieve faster approvals, and in some cases a true “one touch” outcome, it all comes down to how you prepare your application from the outset.

Here’s how to set your deals up for success.

• Start with a complete and accurate application
It sounds simple, but it’s where many delays begin. A fully completed and correctly signed application form is critical. Incomplete sections, merged applications or inconsistencies across documents (such as names, income or liabilities) will almost always trigger follow-ups from credit. Taking the time to double check everything upfront can save days later in the process.

• Make income easy to understand and verify
Income is one of the most common friction points, particularly for self-employed or Alt Doc borrowers. Where possible, ensure income is supported by real source documents such as invoices, business bank statements or receipts. Avoid relying on projections, draft financials or statements based purely on client-provided information, as these will not be accepted.

For self-employed clients, providing a clear snapshot of the business, including how it operates, how income is generated and its structure, can significantly reduce back-and-forth with credit.

• Don’t overlook ID and residency requirements
Another common delay comes from missing or incomplete identification. Make sure all applicants have valid ID submitted upfront. For non-citizens, this means including visa documentation, not just a passport. For certain products, additional residency forms or Australian address requirements may also apply, so it’s worth confirming these early.

• Clearly explain the loan purpose and any cash out
Vague descriptions are one of the fastest ways to slow down an application. Terms like “future investment” or “rainy day funds” don’t give credit enough context to assess the deal. Instead, provide a clear breakdown of how funds will be used, including purchase details and any funding shortfalls. The more specific you are, the fewer questions will come back.

• Ensure liabilities and servicing align
Before submission, it’s essential to sense-check the numbers. All liabilities must be disclosed, and your servicing calculator should align with the application, including assets and liabilities, as well as living expenses. Using Connective Horizon calculators ahead of time can help validate income and avoid discrepancies that may otherwise delay approval.

• Address any credit or property issues upfront
If there’s anything in the deal that might raise a question, it’s always better to tackle it early. This includes adverse credit history, arrears or outstanding liabilities. Providing a clear explanation and supporting context upfront can prevent unnecessary follow-ups and keep the file moving.

• Get entity structures right the first time
For more complex deals, accuracy around entities is crucial. Make sure all directors and shareholders are correctly listed, and that income is attributed to the appropriate entity or individual. Small errors here can cause significant delays if they need to be corrected later.

• Include complete security documentation
Finally, ensure all property and security documents are complete and up to date. Missing or outdated documents can hold up valuations and approvals, even if everything else is ready to go.

The golden rule: Think like an assessor

If there’s one takeaway, it’s this, think like the person assessing your deal.

Most delays don’t come from complex scenarios, but from missing detail or unanswered questions. If something might raise a query, address it upfront.

That mindset is often the difference between a standard approval and a true “one touch” outcome.

Set the file up properly from the start

If you want to reduce follow-up questions and improve turnaround times, your Connective Lending Manager or Connective Horizon BDM can help you sense-check the submission before lodgement.

An update worth noting for client conversations.

From 1 July 2026:

• The concessional contributions cap is expected to increase to $32,500
• The non-concessional contributions cap is therefore expected to rise to $130,000, calculated at four times the concessional cap

Why this matters:

Concessional contribution caps are indexed in line with Average Weekly Ordinary Time Earnings (AWOTE), which drives periodic increases.

What this could mean for your clients

• Eligible individuals may be able to claim up to $2,500 more in deductible concessional contributions
• This may also allow for up to $10,000 more per year in non-concessional contributions, depending on personal circumstances

While the ATO is yet to formally confirm the caps for the 2026–27 financial year, these changes are worth keeping in mind when reviewing client structures and borrowing needs. Clients should always seek advice from appropriately licensed professionals to ensure contributions align with their objectives.

A useful update for future SMSF conversations

If you are reviewing SMSF structures or future lending opportunities with clients, your Connective Lending Manager or Connective Elevate BDM can help you work through the scenario alongside these broader contribution changes.

For a limited time, Elevate is offering 0.25% p.a. off Near Prime, Specialist and Specialist+ Residential Loans*

This is a great opportunity to help clients who may have been turned away because of a restrictive credit policy elsewhere.

If you have clients who:

• Are recently self-employed
• Have experienced a credit blip
• Had short-term arrears that are now resolved
• Have a thin or interrupted credit history

Near Prime and Specialist lending could be the solution that helps you get those clients back on track.

More room for clients who do not fit the standard box

If you are working with a client who has recent self-employed income, a credit blip or resolved arrears, your Connective Lending Manager or Connective Elevate BDM can help you explore what may be possible.

*Offer only applies to eligible new Near Prime, Specialist or Specialist+ residential loans submitted from 13 Apr to 31 May 2026 and settled within 6 months. Eligibility criteria, T&Cs, fees and charges apply. Australian Credit Licence 390 183.

With the introduction of Commercial Property lending, Connective Elevate is helping brokers support a wider range of client scenarios without needing to refer enquiries elsewhere

It’s the same familiar process as residential lending, applied to a different asset class.

Why brokers choose Elevate for Commercial Property lending:

• Borrow from $100k to $3m
• Up to 80% LVR
• Up to 30-year term (max 5 years IO)
• Prime and Near Prime Full Doc and Alt Doc available
• Offset sub-account options available (excluding SMSF)
• Unlimited cash out (excluding SMSF)
• No clawback

Keep the deal and keep the client

When a straightforward commercial property opportunity lands on your desk, your Connective Lending Manager or Connective Elevate BDM can help you work through it without sending the enquiry elsewhere.

Self-employed clients do not fit the mould, and their lending should not either.

That is why Connective Complete is keeping its promotional offers steady, even as the wider market trends upward.

With rates from 6.67% p.a. up to 80% LVR, no interest-only premium, no risk fees, and tailored Alt Doc options, you have the tools to help more clients move forward with confidence.

This remains a strong option for self-employed borrowers and investors who need a more flexible approach, particularly where standard policy settings may not reflect the full picture of their income or business position.

For brokers, that means more opportunity to support clients who may be well placed to borrow, but need a lending solution that takes a more practical view of their scenario.

A practical option for self-employed clients

If you are working with a self-employed borrower or investor whose income does not fit neatly into standard policy, your Connective Lending Manager or Connective Complete BDM can help you assess the scenario and find the right fits.

With the RBA's recent rate rise adding pressure to an already complex market, we're reducing the fixed setup fee for our longer-dated (12–24 month) residential bridging loans to 0.60%, effective immediately.

How this benefits you and your borrowers:

• Gain more time: Support extended sale timelines, more flexibility to buy and sell, and unlock longer term use cases.
• More flexibility: Recommend 24-month terms based on client needs, not fee structures.
• Competitive rates: Offer industry-leading pricing on 24-month terms in today's market.

Key updates:

New Fixed Setup Fee: 0.60% (reduced by 0.35%)

Eligibility: Applies to all new applications and existing conditional offers as of Monday April 20th 2026

Get started

You can access the full product and policy details via the Knowledge Hub in the Broker Portal (via Mercury Nexus).

Give clients more room to move

If your client needs more time to buy, sell or line up their next step, your Connective Lending Manager or Connective Bridge BDM can help you assess the most suitable residential bridging structure.

*LVRs above 80% are subject to metro location only and executed contract of sale being available for all security properties. Available for a maximum loan term of 12 months. Eligibility and approval subject to standard credit assessment.

Commercial bridging gives you a fast, flexible way to move on time-sensitive opportunities, backed by property strength and a clear exit strategy.

Where it fits:

• Buying before selling: secure the next asset without delay
• Equity release: access capital for deposits or business use
• Refinancing: transition out while lining up long-term funding
• Residual stock: avoid discounting and sell on your terms

Key features:

• Loans up to $5M
• Up to 75% LVR
• Up to 24-month terms
• No monthly repayments
• Conditional approval in ~72 hours
• Lease doc, no income verification and residual stock available

Get started

You can access the full product and policy details via the Knowledge Hub in the Broker Portal (via Mercury Nexus).

Commercial timing matters

For deals where timing, cashflow or exit strategy are key, your Connective Lending Manager or Connective Bridge BDM can help you structure short-term commercial funding and keep the scenario moving.

A Better Way to Borrow: Flexible Private Loans Without the Penalties

Unlike traditional private loans, Connective Advance offers highly competitive interest rates. Customers typically benefit from lower upfront setup costs, along with access to longer loan terms. In addition, there are no penalties for early repayment and no clawback provisions.

1. Private Loan: Offers two servicing and income verification options, can be secured against residential, commercial, or specialised properties. Suitable for business or property investment, business equipment purchase, working capital, line of credit, or refinance and debt consolidation.
2. Residual Stock Loan: Also offers two servicing and income verification options, tailored for property developers wishing to borrow against a recently completed development of 5 to 35 units with less than 50% retained by the developer.

Private Lending Recently Settled Transaction

Security property in Maroubra, NSW $6,178,500 | 70% LVR | 3 years IO | Residential home

The borrowers, both self-employed in the construction industry, were seeking to refinance an existing private facility that was nearing expiry.

Their goal was to list the property for sale within six months. However, their existing lender would only agree to a 12-month extension with pre-paid interest limiting their flexibility.

We provided a more suitable solution by offering a longer loan term with no exit costs if repaid early, giving the borrowers the breathing room they needed.

Private Loan Loan: No ongoing fees, no early repayment fees
Broker commission: 0.60% upfront (flexible up to 2.0%)

Please note: Private Loans do not attract trail commission.

Refer to our Product Info and Rates for full details or Contact the team if you have a SMSF scenario you’d like to discuss.

For short-term funding that needs to move quickly

If you are weighing up a refinance, transitional funding or residual stock scenario, your Connective Lending Manager or Connective Advance BDM can help you identify the right private lending option for your client.

From SMSFs to family trusts, we support complex structures with clearer pathways and documentation standards. If you’re navigating trustee obligations or guarantor layers, this is worth a closer look.

Connective Advance possesses deep SMSF knowledge and experience, offering a wide range of structural options such as tenants in common, in-specie transactions and bespoke unit trust arrangements.

Recently Settled Transaction SMSF Commercial

Factory | Cheltenham, Vic | $612, 500 | 70% LVR | 30 years P&I | Tenants in Common structure

• Self-employed partners in a full service product manufacturing business were seeking to strengthen their financial future.
• By utilising 2 separate SMSFs, they sought to purchase the premises from which they operate.

Tenants in common - where two or more parties each hold a defined share of a property. This structure can allow SMSFs to access more valuable properties than they could afford alone, or to partner with other investors for strategic reasons.

SMSF commercial lending continues to be a smart pathway for those thinking beyond the short term.

When the SMSF structure is not straightforward

Refer to our Product Info and Rates for full details or Contact the team if you have a SMSF scenario you’d like to discuss.

Speak to us about how we can help structure the right outcome for your clients.

Focused on helping small businesses and commercial property investors with property acquisition, loan refinance, and equity release. Our team always take a commonsense approach, all applications are assessed on their merits, and there is no credit scoring.

Our Niches

• Commercial and Commercial SMSF loan amount up to $10M
• Up to 80% LVR
• Up to 30 years P&I or 5 year IO
• Property types: office, retail, industrial, multi-residential, boarding houses, specialised securities, or vacant land
• Full Doc, Mid Doc, Quick Doc, or Lease Doc
• No WAULT/WALE requirements
• No annual reviews or revaluations
• GST funding available for loans above standard LVRs
• Newly self-employed eligible (ABNs 3+ months)
• Flexible cash out options up to 80% LVR
• Lease Doc: Available for properties with a 2-year arm’s length lease term (max 25-year term)
• Line of Credit: 5-year term, no annual reviews
• Extended loan terms up to 30 years for Loans Over $4M
• Simplified servicing with Mid Doc ICR reduced from 2.0x to 1.75x
• Streamlined approvals with the Commercial SMSF net asset requirement removed

Commercial + Equity release Recently Settled Transaction

Security property in Port Melbourne, VIC | $4,000,000 | 45% LVR | 25 years P&1

1. The borrower is a self-employed sole trader, operating a construction supplies business
2. The purpose of the loan was to refinance and provide equity release - used to purchase new materials for the business
3. Even though the borrower has only been self-employed for 12 months, we were still able to proceed given our flexible policy for those newly self-employed (ABNs 3+ months permitted
4. Our Mid Doc option allowed us to verify serviceability without delaying the purchase

In Case you missed it…we’re live with CitoPlus!

Commercial and SMSF application submission is available through CitoPlus via Mercury Nexus, enabling a fast, efficient and seamless digital lodgement experience. Refer to our Product Info and Rates for full details.

Need help structuring the next commercial deal?

If you are working on a commercial purchase, refinance or equity release scenario, your Connective Lending Manager or Connective Advance BDM can help you shape the structure and progress the application with confidence.

Private Lending can help you unlock opportunities for clients with short-term, transitional or time-sensitive funding needs.

Many brokers have asked for a simpler, faster way to use Private Lending when timing is critical. That feedback has shaped our latest update.

Introducing Private Streamlined

In 2024, we launched our Private Loan and Residual Stock Loans. Since then, we have listened to broker feedback and made ongoing enhancements to ensure these solutions reflect real-world needs and help brokers deliver better outcomes for their clients.

Launched in response to broker feedback, Private Streamlined delivers faster outcomes with greater flexibility:

• 1-year interest-only solution
• Interest prepaid or interest capitalised
• No debt servicing and no minimum ICR, with streamlined verification
• Extension or additional prepaid or capitalised term may be available, subject to credit approval
• Designed for time-critical opportunities.

Please note: Private Loans do not attract trail commission.

Support for time-sensitive lending scenarios

Your Connective Lending Manager or Connective Advance BDM can help you assess Private Lending opportunities and structure solutions for short-term or transitional funding needs.

We’ve reduced our Commercial Quick Doc rates by 0.15%, and Commercial Mid Doc and Mid Doc Max rates by up to 0.25%, helping your clients secure more competitive pricing with confidence.

Commercial Loans Now up to $10M

• The max loan amount for Commercial and Commercial SMSF has increased to $10M.

Enhanced Commercial Flexibility for Loans Over $4M

• Extended loan terms up to 30 years
• Simplified servicing with Mid Doc ICR reduced from 2.0x to 1.75x
• Streamlined approvals with the Commercial SMSF net asset requirement removed

Vacant Land Now Accepted as First Security

• Unlock more deal possibilities with vacant land now accepted as first security across Residential, Commercial and Private Lending.

Refer to our Product Info and Rates for full details.

CitoPlus

• Commercial and SMSF application submission is available through CitoPlus via Mercury Nexus, enabling a fast, efficient and seamless digital lodgement experience.

Support for structuring commercial deals

If you’re working on a scenario or exploring options, your Connective Lending Manager or Connective Advance BDM can work with you to assess the deal and identify the right structure for your client.

Construction lending is evolving. For self-employed clients, traditional full doc pathways can fall short even when the business is strong. Connective Horizon Construction Loans are designed to help brokers structure viable self-employed builds with greater certainty.

Why this matters

Many entrepreneurs and contractors reinvest profits or experience year-to-year fluctuations, so taxable income may not fully reflect true servicing capacity. Add progress payments, valuation sensitivity and build variations, and deals can stall despite solid fundamentals.

How Connective Horizon’s Construction Loans help self-employed clients

• Alt Doc income verification options, including accountant’s letters, to present a clearer view of income
• Streamlined construction process with progress payments aligned to standard building stages
• Interest-only repayments during the build to support cash flow
• Clear policy framework from application through to final drawdown, reducing mid-build surprises
• Vacant land accepted as first security across Residential, Commercial and Private Lending

The broker opportunity

When fundamentals stack up, flexibility can be applied responsibly, and this can turn complex scenarios into concrete outcomes. Brokers who understand where and how to use Alt Doc construction solutions will convert more projects without compromising on quality.

Need a second set of eyes on a construction scenario?

Speak with your Connective Lending Manager or Connective Horizon BDM, or contact the Relationship Management Team at rmteamhorizon@brighten.com.au | 13 14 88 (request the Connective Horizon Relationship Management Team).

We’re excited to introduce commercial bridging, now available to Connective Bridge brokers.

This new short-term solution gives you another way to expand your offering and support clients with time-sensitive or complex commercial scenarios.

Backed by property strength and a clear exit strategy, commercial bridging can support equity release, refinancing and residual stock opportunities, helping you keep deals moving.

Key features

• Loans up to $5M
• Loan terms up to 24 months
• Up to 75% LVR
• Conditional approval within 72 hours
• End-to-end digital application process
• Competitive pricing across key commercial categories

Common use cases

• Buy before selling
• Equity release
• Refinancing
• Residual stock

You can access more information on commercial bridging via the Knowledge Hub in the Broker Portal, available through your Mercury Nexus dashboard.

Support for time-sensitive commercial scenarios

For deals where timing or cashflow is critical, your Connective Lending Manager or Connective Bridge BDM can guide you through structuring short-term commercial funding and progressing the application.

Making commercial lending simpler with full integration and upload with ApplyOnline and servicing lingo you're used to - Net Servicing Ratio.

Whether it’s a warehouse, office or retail space, Elevate makes it easier for brokers to help clients secure the property they need – with less red tape and faster approvals.

Why brokers choose Elevate:

• Borrow from $100k to $3m
• Up to 80% LVR
• Up to 30-year term (max 5 years IO)
• Prime and Near Prime Full Doc and Alt Doc available
• Offset sub-account options available (excluding SMSF)
• Unlimited cash out (excluding SMSF)
• No clawback

Support for commercial lending scenarios

Your Connective Lending Manager or Connective Elevate BDM can help you structure commercial deals using ApplyOnline and navigate servicing requirements with confidence.

Connective Horizon’s Bridging solution has been enhanced to help brokers stay competitive in a growing market for short-term funding.

With sharper pricing and greater flexibility, these updates create more opportunities for clients who need to move quickly or unlock equity against residential property.

What’s changed

• Market-leading rates to help you win more business
• Maximum loan size increased at 80% LVR up to $5M, with higher limits up to $15M on a case-by-case basis
• No End Debt risk fee reduced to 0.95%
• Single security now accepted, giving borrowers greater flexibility to access short-term funding

These changes can support a range of time-sensitive scenarios where speed, flexibility and structure are critical (effective 27 March 2026).

Support for short-term funding scenarios

For scenarios where timing is critical, your Connective Lending Manager or Connective Horizon BDM can help you work through bridging options and identify a suitable structure for your client.

Our team have deep SMSF knowledge and experience, offering a wide range of structural options such as;

• Tenants in common
• In-specie transactions and,
• Bespoke unit trust arrangements

Our ability to utilise projected concessional and non-concessional contributions for servicing is particularly beneficial for newly established funds or those seeking higher LVRs or loan amounts.

We can also refinance Related Party Member Loans that support real property at lower interest rates than the current ATO safe harbour deemed rate.

• Associated party leaseback - which allows an associated party such as a member’s own business to lease the commercial property at market rent. This arrangement makes strong financial sense, as business owners can benefit from owning their premises and building wealth, rather than paying rent.
• Tenants in common - where two or more parties each hold a defined share of a property. This structure can allow SMSFs to access more valuable properties than they could afford alone, or to partner with other investors for strategic reasons.
• In-specie transfers – which allow the transfer of an asset into or out of an SMSF without selling it for cash. Instead of liquidating the asset and contributing the proceeds, the asset itself is contributed or distributed "in its current form”.

Support for complex SMSF structures

Refer to our Product Info and Rates for full details or Contact the team if you have a SMSF scenario you’d like to discuss.

For a limited time, Connective Elevate is offering 0.25% p.a. off our Residential SMSF Investor Loans, giving your SMSF clients more confidence to move ahead in today’s rising rate environment.

This offer is just one of the reasons brokers choose Elevate for SMSF residential lending. 

Beyond the rate offer, Elevate gives you:

• Flexible ways to prove income, with additional SMSF contributions able to be considered
• No minimum SMSF liquidity requirement
• No high density postcode restrictions
• Access to our SMSF lending specialists to help navigate complex applications

Support for SMSF residential scenarios

To workshop through any SMSF residential lending scenarios and help your clients take advantage of this limited time offer, reach out to Connective Lending Manager or Connective Elevate BDM.

*Offer applies to eligible new Residential SMSF Investor Loans approved from 24 Mar to Apr 30 2026 and settled within 6 months. Eligibility criteria, T&Cs, fees and charges apply. Australian Credit Licence 390 183.

We’ve made it faster to confirm whether a property location fits within Connective Horizon’s lending parameters. Our new Postcode Tool lets you check postcode eligibility across residential products in seconds helping you assess deals faster and submit with confidence.

Why use the Postcode Tool?

• Instant postcode verification: Quickly confirm whether a property sits within our lending footprint.
• Save time on deal assessment: Check eligibility upfront to streamline your workflow.
• Greater certainty for your clients: Understand location eligibility early so you can structure with confidence.

Designed for real broker scenarios

From complex builds and investor purchases to specialised lending, our Postcode Tool gives you a quick read on location eligibility before you progress an application.

Support for location-based lending scenarios

Your Connective Lending Manager or Connective Horizon BDM can help you confirm postcode eligibility and structure deals aligned to Horizon’s lending parameters.

Fixed rate changes

Effective Wednesday 1 April 2026, we are changing our new business fixed rate options for Offset and Basic products across all LVR tiers.

Information about in-flight applications:

Applications must be received by 11:59pm (AEDT) on 31 March 2026 to receive the current fixed rates. If you have any questions, our Connective Select Assist team is available on 1300 738 336.

Connective Select continues to evolve, with enhancements designed to help you move faster, assess smarter, and deliver greater certainty for your clients.

Here is what has changed and how it can support your next deal.

Smarter credit assessment with Equifax

Connective Select has transitioned from a traditional comprehensive credit scoring model to Equifax OneScore, aligning with a more modern, data-driven approach to credit assessment.

This provides a more streamlined and consistent view of borrower creditworthiness, helping you navigate scenarios with greater clarity and confidence.

Faster approvals for straightforward PAYG scenarios

For simple PAYG applications, the assessment process has been significantly streamlined with approvals coming through in under 5 hours.

Where the scenario meets key criteria such as a low debt-to-income ratio, clean credit history, and standard PAYG income, applications can move through quickly with faster turnaround times.

Close alignment with the mortgage insurer supports smoother processing for eligible applications.

For self-employed borrowers, 1-year financials may be acceptable in certain scenarios, particularly where LMI is not required. For higher LVR or LMI scenarios, additional insurer requirements may apply.

This structure supports efficient handling of both PAYG and self-employed applications within policy parameters

Certainty at approval with no rate lock fee

Connective Select offers a fixed rate lock at formal approval with no rate lock fee.

This gives your clients the ability to secure their rate once approved, providing added certainty and helping manage interest rate risk during the settlement period.

Support for faster residential approvals

If you are working on PAYG or self-employed scenarios and want to take advantage of these assessment improvements, your Connective Lending Manager or Connective Select BDM can help you position and structure your application effectively.

When your clients run their own business, their lending should work just as hard as they do. That’s why we’ve extended all our promotions until further notice.

We continue to offer great rates starting from 6.67% p.a. for loans up to 80% LVR, with no additional loading for interest-only repayments, no risk fee, and availability on Alt Doc. It’s a compelling option for self-employed clients reviewing their lending and remains particularly strong for investment lending in the current market.

Featured interview – Nathan Taddeo

Self-employed borrowers often operate through trust and company structures, but with the right support, complexity becomes opportunity. In this Broker Daily eBook, Nathan Taddeo, GM of Sales and Strategic Partnerships, shares how to simplify submissions and position deals more effectively.

Support for self-employed lending scenarios

Your Connective Lending Manager or Connective Complete BDM can help you maximise these extended promotions and structure solutions for self-employed and investment clients.

Deliver more value for your clients with sharper pricing-up to 60bps cut from Near Prime commercial loans. We’ve increased the maximum LVR for SMSF commercial security loans to 80%, giving your clients more capacity to invest and grow.

Prime Home Loan (Full Doc)

Your favourite promo is sticking around. Until 18 May 2026, your clients can continue to access no LPF or Risk fee (similar to LMI) up to 90% LVR on our Prime Home Loan (Full Doc) option for residential properties. Your owner-occupied and investor clients could save thousands. Prime eligibility criteria applies.

Near Prime commercial

Rates have been reduced by up to 60bps, which should help on deal size and serviceability.

SMSF lending

The maximum LVR has increased to up to 80% for SMSF commercial security loans. We’ve also reduced rates across Prime SMSF residential security loans.

These changes should open up a few more options across residential, commercial and SMSF scenarios.

Support across multiple lending scenarios

Your Connective Lending Manager or Connective Solutions BDM can help you navigate these updates and identify opportunities across Residential, Commercial and SMSF deals.

Information is correct as of 17 March 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

Loan Protection Fee promotion applies to new Prime Home Loan (Full Doc) purchase applications for residential securities up to 90% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted and conditionally approved between 12:00am AEDT 1 April 2025 and 11:59pm AEST 18 May 2026.

Reverse mortgages are increasingly becoming a strategic financial tool for brokers to use with clients over 60. If you have a client who needs access to funds but doesn’t have the required income, or years, to meet bank requirements, these products can unlock equity built over decades without the stress of regular repayment requirments.

Is a reverse mortgage right for your client?

Do they:

• Meet the age 60+ threshold?
• Own their own home?
• Need to refinance an existing mortgage?
• Require funds to move to a more appropriate home?
• Want to boost their monthly cash flow?
• Need to unlock home equity for immediate needs?

Suitability will depend on the client’s long-term needs, financial position and objectives

Scenario:

Divorce

A not uncommon scenario. While the overall divorce rate in Australia has hit a 50-year low, the 60+ demographic is the only age group where the rate of divorce is consistently rising.

Phillip, 68, was going through a divorce and was required to pay a $140,000 financial settlement to his former partner. He also needed to clear a personal loan and legal fees associated with the divorce. His key priority was to remain living in his home after everything was finalised.

Problem

Phillip needed to access funds to meet his divorce settlement obligations. However, his income, derived from the Age Pension and occasional Uber driving, would not comfortably support a traditional loan with ongoing monthly repayment requirements. Selling the property would have meant losing his home during an already difficult life transition.

Solution

Phillip’s broker recommended a reverse mortgage.

With a home valued at $780,000 and a 28% LVR, Phillip could access $218,400. He drew $185,000 to cover the divorce settlement, as well as his personal loan and legal costs.

Phillip was able to clear his financial obligations and, importantly, remain in his home without the need for regular repayments. This preserved his cash flow and provided stability as he moved into the next stage of life.

Reverse mortgages may not be suitable for all clients and brokers should consider alternatives and the long-term impact on equity

Support for later-life lending scenarios

Your Connective Lending Manager or Connective Reverse BDM can help you assess whether a reverse mortgage is appropriate and support you in structuring solutions for clients over 60.

Tax time is coming up and many clients, especially self-employed borrowers, may not have their 2025 financials ready to lodge.

Connective Elevate’s Alt Doc options can help keep their plans moving across Residential Owner Occupier and Investment, giving them flexibility when full financials aren’t available.

Clients looking at an Elevate Residential home loan may also be able to access:

• ATO debt consolidation
• Debt consolidation for business purposes
• Cash out for eligible business needs

Alt Doc options are also available on Elevate’s Construction Loan, helping self-employed clients get their build underway sooner without waiting on completed financials.

Support for self-employed scenarios

Your Connective Lending Manager or Connective Elevate BDM can help you work through Alt Doc scenarios and identify what’s possible for your client.