Every client scenario is different. Some need a little more borrowing power, others have complex structures or self-employed income that doesn't fit neatly into a standard policy.

That's where Connective Athena comes in.

From helping clients grow their property portfolio to finding a way forward when a major lender says no, Connective Athena gives you more options to solve real lending challenges. Here are 5 recent examples that show what's possible:

1. Unlock more borrowing power with PAYG income

   A family with a strong income was feeling the impact of rising rates while planning a renovation and preparing for two years of private school fees. Using Prime Max, their broker was able to include 100% of the client's regular aged-care overtime and allowances in the servicing assessment. The result was increased borrowing capacity and two years of interest-only repayments, giving the family greater flexibility to move forward with confidence.




2. Help investors grow without LMI

   A client wanted to turn existing equity into an investment opportunity. By using 85% No LMI lending, the broker released equity from the client's home and funded the purchase of an investment property without paying lenders mortgage insurance. Removing LMI and risk fees across both transactions delivered significant savings.




3. Better outcomes for self-employed clients

   When a husband-and-wife gardening franchise sought finance, their tax returns didn't tell the full story. Using Lite Doc BAS verification, the broker demonstrated the strength of the business and worked with credit to assess income more accurately. A complex self-employed scenario became a successful approval.




4. Navigate complex trust structures

   An investor holding property through a non-trading trust needed a refinance solution after their lender exited the market. Through Special Purpose lending, the broker secured a sharper rate and released equity up to 85% No LMI, creating funds for the client's next purchase.




5. Buy before selling

   A family was told they had reached their borrowing limit with their existing lender. Bridging finance provided another option, allowing them to purchase their new home before selling their current property. It also freed up funds for improvements that helped maximise the eventual sale price.

Workshop a scenario

If you have a client looking for a solution with strong servicing, uncompromising flexibility, powerful features and a seamless experience, contact your Connective Lending Manager or your Connective Athena BDM to see how Connective Athena can help.

The Connective Select rate promotion has been extended until 31 December 2026, giving you more time to help eligible clients access a flexible lending solution backed by a range of broker-friendly benefits.

Whether you're working with self-employed clients, borrowers with unique credit circumstances or applicants on eligible visa arrangements, Connective Select can help you support more clients across a wider range of scenarios.

Why you'll love this Connective Select promotion

• No credit scoring - for clients who may not fit traditional lending criteria.
• Made for self-employed clients - just one year's financials and 12 months of ABN history may be considered.
• Broader visa options - supports most visa categories and eligible bridging visa applicants applying with an Australian citizen or permanent resident.
• Greater cash-out flexibility - helping you support a wider range of client circumstances.
• 100% offset access - available on both fixed and variable rate products, with up to six offset accounts per loan split.
• No annual fees - delivering ongoing value throughout the life of the loan.

In addition to this, the $299 establishment fee continues to be waived for eligible applications.

Ready to help more clients?

Connective Select gives you a practical way to support clients whose needs may sit outside mainstream lending criteria, while creating more opportunities to grow your business.

Take the next step: Speak with your CLM about the ongoing Connective Select promotion, or contact a Connective Select BDM to discuss which of your clients may be eligible.

For many business clients, the hardest cash flow stretch of the year runs September to February, and it has already started.

This is when stock orders increase, payroll costs rise and businesses begin preparing for their busiest trading period of the year. While revenue may be on the horizon, cash flow often tells a different story.

The pressure can continue well into February. There are fewer trading and banking days over December and January, customer payments can slow, and February often brings a perfect storm of payroll, restocking costs and Business Activity Statement obligations before the cash from peak trading has fully landed.

The good news? Seasonal cash flow pressure is predictable.

When clients can see a funding gap developing, they have time to plan. When that same gap appears in January, with suppliers waiting to be paid and cash reserves under strain, options can be much more limited.

Why the review conversation happens now

If your clients are talking about buying stock, managing payroll, covering tax commitments or preparing for seasonal growth, you're already talking about working capital.

Match the facility to the gap

Connective Cashflow gives you two revolving credit lines to 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, so the supplier payment lands closer to the sale.

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 whose peak-season invoices will not be collected until January or February.

Many clients sit on both sides. 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 your clients?

• Upfront commissions
• Ongoing trail
• Airline reward points on settled deals.
• Clients could collect points on facility usage as well.

Have the conversation while the gap is still on paper. Spot and refer, register for Connective Cashflow on your Mercury platform or ask your Connective Cashflow BDM to workshop a scenario.

Spring 2026 isn’t playing out like a typical selling season. 

Across Australia, homes are taking longer to sell and advertised stock continues to build. For clients who need to sell before they buy, delays can cost them the home they want or reduce their negotiating power*.  

At the same time, increasing stock levels are creating opportunities for buyers who can move quickly and make unconditional offers. With property values sitting below their previous peaks across every capital city, many upgraders are finding opportunities they may not have seen just a few years ago. 

That’s why Connective Bridge is seeing growing demand for single security bridging.  

Secured against the client’s existing property only, it keeps the structure simple and gives clients the confidence to buy now and sell on their terms. This means fewer moving parts, faster answers and a client who stays with you through the whole move. 

With loans from $300k to $10M, up to 85%** LVR, terms up to 24 months and no monthly repayments, Connective Bridge supports upsizers, downsizers, retirees, investors, house and land buyers and more, with upfront and trail commission for brokers. 

Three moves to make this month: 

1. Review your book: Identify clients already listed or planning to upgrade or downsize.

2. Start the conversation early: Raise bridging before clients list or lock into a subject-to-sale offer.

3. Get ahead of summer: Submit scenarios to beat the seasonal settlement rush.

If you have a scenario in mind, reach out to your Connective Bridge BDM or CLM today.  

*Source: Cotality, Monthly Housing Chart Pack, October 2026.   **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 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.

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.

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.

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.

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.

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

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.

For self-employed clients, the right commercial lending solution is about more than securing finance. The structure, rate and flexibility can make a meaningful difference to their business.

With Connective Complete commercial rates now starting from 8.28% p.a.^*, it could be worth reviewing the opportunities within your existing client base.

Depending on their needs and eligibility, commercial lending could help clients:

• Purchase their next commercial property.
• Refinance an existing commercial property loan to see whether they could be in a better position.
• Consolidate liabilities or fund an ATO debt.

More ways to get the deal done

Traditional income verification can make it harder for some self-employed borrowers to access finance. Connective Complete offers Alt Doc income verification options as an alternative.

A borrower’s self-certified income declaration can be supported by:

• An accountant declaration.
• BAS.
• Business trading statements.

Together with Connective Complete’s focus on simple processes, fast service and fair decisions, these options give you another way to help self-employed clients whose circumstances may not fit a traditional lending approach.

Start the conversation

Whether you’re prospecting for new commercial business or reviewing your existing client book, now could be a good time to explore your clients’ needs.

Speak with your Connective Complete BDM to learn more about the commercial offering. For full terms and conditions, refer to the Product and Rate Guide.

^*Commercial Prime product. Principal and interest loan with an LVR of 70% or less and a loan size between $150,000 and $4 million. Fees, charges and credit criteria apply.

When your clients decide to build rather than buy, having the right finance solution can make all the difference. And for you, understanding construction lending could open the door to more client conversations and opportunities.

Whether it’s a new home, knockdown rebuild or a broader property investment strategy, Connective Horizon gives you another way to help clients get their plans off the ground. Its construction offering includes Full Doc and Alt Doc solutions as part of a broader range designed to support diverse borrower needs.

More ways to help your construction clients

Not every construction scenario fits neatly into standard lending criteria. Connective Horizon gives you greater flexibility to explore solutions across a broad range of borrower circumstances, including self-employed, expat and non-resident clients.

Key features include:

• Full Doc and Alt Doc construction options
• Loans of up to $15 million considered
• Up to 80% loan-to-value ratio (LVR) for eligible scenarios
• No clawbacks on construction loans

Turn complex scenarios into opportunities

That flexibility could help you have a different conversation with clients who might not fit a straightforward construction lending scenario.

For example, Connective Horizon’s broader proposition includes flexible income verification and solutions spanning Full Doc, Alt Doc, Expat, Non-Resident, Construction and Vacant Land lending.

That means having more options to explore with your clients before putting a difficult construction scenario in the “too-hard” basket.

Be ready when your client wants to build

The next time a client mentions building rather than buying an established property, take a closer look at their scenario. Connective Horizon could give you the flexibility to help move their plans forward while broadening the types of clients you can support.

Commercial lending is opening up more opportunities for brokers. Industry forecasts suggest broker market share could reach 50% within the next two years as borrower priorities change.

Your next commercial opportunity could be hiding in your back book. Look for clients who may be:

• Business owners looking to potentially buy their premises rather than rent
• Property investors ready to start exploring commercial assets
• Self-employed clients who may need funding beyond traditional lending options.

Having these conversations early can help you be proactive, uncover new opportunities and add value to your client relationship.

Diversify your offering with commercial lending

Connective Horizon Commercial offers solutions for a broader range of commercial scenarios. For clients who need short-term funding, Connective Horizon Commercial Short Term can help with:

• Property purchases
• Bridging finance
• Working capital
• Business expansion
• Debt consolidation.

Assessment focuses on the client’s asset position and exit strategy. This kind of flexibility is particularly useful for asset-rich clients who need a fast or more tailored funding solution.

Start with the clients you already know

Understanding your clients’ broader goals can help you identify needs beyond residential lending.

By starting these conversations early, you can deepen client relationships, diversify your business and make the most of a growing commercial lending opportunity.

If you've written SMSF loans in the past, there could be untapped opportunities sitting right in your back book.

Over the past few years, many major banks have stepped away from SMSF lending. While the lenders have left the market, the borrowers haven't. Thousands of SMSF clients are still sitting on loans that may not have been reviewed since settlement.

With residential SMSF refinance rates through EasyRefi now starting from 7.05% p.a.^*, now could be the perfect time to reconnect with these clients and see whether a better outcome is available.

A simple place to start is by identifying clients with existing SMSF residential loans, particularly those still financed through a bank. A quick review of their current rate could uncover refinancing opportunities that help improve their lending position while strengthening your client relationships.

Why consider EasyRefi?

Beyond competitive SMSF refinance rates, the process is designed to make refinancing simpler for both you and your client.

• For eligible applications, income documents aren't required.
• Assessment is based on repayment history rather than full servicing requirements, helping reduce paperwork and administration.
• Eligible clients may also be able to rely on their original independent legal advice where their SMSF structure remains unchanged, and a copy of the advice is available – saving both time and money.
• Connective Complete has also waived off standard legal fees for eligible applications, saving your clients around $1,500 in upfront costs.

With fewer SMSF lending options available in the market, now is a great opportunity to reconnect with existing clients, deliver value and uncover new business from relationships you've already built.

Ready to start digging?

Speak with your CLM or Connective Complete BDM to learn more about SMSF EasyRefi.

^*Corporate applications only. Credit fees and charges apply. Refer to the product and rate guide for full terms and conditions

Commercial property can be an attractive option for clients looking to diversify their investment portfolio, generate rental income, or secure premises for their own business. With evolving market conditions, now is a great time to start conversations about commercial property finance.

Why it matters now

Business owners and investors may be exploring opportunities to purchase, refinance or expand their commercial property holdings. The right lending solution can help clients take advantage of opportunities while supporting their longer-term financial objectives.

How you can support clients

• Identify business owners and investors considering commercial property opportunities.
• Discuss financing options aligned to their investment or business goals.
• Help clients understand lending requirements and the benefits of seeking advice early.

How Connective Elevate can help

Connective Elevate offers commercial lending solutions for eligible borrowers, providing brokers with flexible options to support a broad range of commercial property scenarios.

Discover Connective Elevate

Self-employed Australians are a growing and diverse client segment, from business owners and tradies to contractors, consultants and gig economy workers. While many are well positioned financially, securing a home loan isn't always straightforward.

Income can vary from year to year, business structures can change and financial statements may not always reflect a client's current circumstances. As a result, some self-employed borrowers may find it difficult to meet traditional lending requirements, even when they have a strong borrowing profile.

A golden opportunity

With more than 2.2 million Australians working for themselves, now is a great time to reconnect with self-employed clients and understand whether their current lending arrangements still align with their needs. A client who wasn't ready to proceed six months ago may be in a very different position today.

How you can support clients

• Reconnect with self-employed clients whose circumstances may have changed.
• Explore lending options that consider alternative ways to verify income where appropriate.
• Help clients understand what documentation may be required and prepare for future borrowing goals.

How Connective Elevate can help

Connective Elevate offers alt-doc lending solutions for eligible self-employed borrowers who may not meet traditional lending requirements. With flexible options designed to support a wider range of client circumstances, you can help more self-employed clients explore pathways to home ownership and investment.

For many self-employed Australians, the right lending solution starts with the right conversation. By proactively checking in with your clients, you may uncover opportunities to help them achieve their next property goal.

For many Australians, property remains a key part of their long-term wealth strategy. As clients start thinking about retirement and future investment opportunities, SMSFs can become an important part of the conversation.

That creates an opportunity for you to add value beyond their immediate lending needs.

Clients exploring property investment through an SMSF are often navigating complex decisions involving lending structures, compliance requirements and professional advice. Whether they're considering refinancing an existing SMSF lending arrangement or purchasing eligible commercial property through their SMSF, they may be looking for guidance on where to start and who they need around them.

By having these conversations early, you can help clients better understand their options and connect them with the right specialists when required. Just as importantly, you can strengthen your role as a trusted adviser who understands their broader financial goals.

SMSF lending conversations also create opportunities to collaborate with accountants, financial advisers and solicitors. Being part of that professional network can help deliver a better client experience while keeping you connected to future opportunities as clients continue to build their wealth strategy.

How you can support your clients:

• Identify clients exploring property investment as part of their retirement strategy.
• Discuss available SMSF lending options, including refinancing existing arrangements and eligible commercial property transactions.
• Become a part of their professional adviser network, connecting with solicitors, accountants and other advisers.

Where does Connective Elevate fit in?

Connective Elevate offers SMSF lending solutions for eligible residential refinances and commercial property purchases, helping brokers support clients seeking to invest their retirement assets through property investment.

With the Connective Reverse 8.99% p.a. rate offer now extended to 31 December, there's a valuable opportunity to reconnect with pre-retirees and retirees who may be sitting on untapped equity without realising the options available to them.

Many Australians over 60 don't think about accessing the equity in their home until retirement starts to feel financially uncomfortable. By then, the choices can feel limited and the pressure can be mounting.

Research from CoreData and Conexus Financial found that 31% of retirees with savings are holding back from spending them because they're worried about what lies ahead.

This can look like home improvements being delayed, holidays being postponed, everyday spending becoming more conservative. Meanwhile, a significant portion of their wealth remains tied up in their home.

That creates a valuable opportunity for you to have a conversation with your client and explore their options before things get difficult.

Who is this for?

• Clients approaching retirement
• Clients in the early years of retirement
• Homeowners looking to maintain their lifestyle
• Clients concerned about rising costs or making savings last

How can Connective Reverse help?

With the 8.99% p.a. Connective Reverse offer available for eligible loans lodged and settled by 31 December 2026, now is the ideal time to start these conversations. Speak with your Connective Reverse BDM or your CLM to learn how to identify suitable clients and make the most of this opportunity.

Sometimes the best opportunities are the ones you've already seen.

If you've previously ruled out a client because of their visa status, where they wanted to buy, or the paperwork involved, it may be worth taking another look. Recent Connective Skip policy updates have expanded eligibility and simplified parts of the application process, potentially opening the door for more clients.

1. More options for couples with bridging visas

   You asked, we delivered.

   
   

   Connective Skip now considers certain applicants on bridging visas, giving eligible couples another pathway to home ownership. This could be particularly relevant for clients who were previously excluded from the scheme or those looking to upgrade their current home.

   If you've got clients who have hit a roadblock because of one partner's visa status, now is a great time to revisit the conversation. Check the broker portal for the full list of eligible visas.

2. More locations now eligible

   Property location can make or break an application. That's why Connective Skip has expanded eligible areas to include Bunbury, Townsville and Maitland.

   
   

   Eligibility is also moving from postcode-based assessments to suburb-based criteria, giving you and your clients greater certainty when assessing properties.

3. Less paperwork, faster progress

   Verification of Identity (VOI) has also been simplified. Clients now only need one form of photo identification, either a driver's licence or passport. It's a small change, but one that can help keep applications moving and reduce unnecessary follow-up.

Which clients should you revisit?

If you have clients with the income to buy but limited deposit or equity, now is the perfect time to review their options. With loans available up to 98% LVR, competitive rates and fees that are always less than LMI, there may be opportunities that didn't exist when you first assessed them.

Have a scenario in mind? Speak with your Connective Skip BDM or visit the broker portal to learn more.

This is when stock orders increase, payroll costs rise and businesses begin preparing for their busiest trading period of the year. While revenue may be on the horizon, cash flow often tells a different story. 

The pressure can continue well into February. There are fewer trading and banking days over December and January, customer payments can slow, and February often brings a perfect storm of payroll, restocking costs and Business Activity Statement obligations before the cash from peak trading has fully landed. 

The good news? Seasonal cash flow pressure is predictable.  

When clients can see a funding gap developing, they have time to plan. When that same gap appears in January, with suppliers waiting to be paid and cash reserves under strain, options can be much more limited. 

Why the review conversation happens now 

If your clients are talking about buying stock, managing payroll, covering tax commitments or preparing for seasonal growth, you're already talking about working capital. 

Match the facility to the gap 

Connective Cashflow gives you two revolving credit lines to 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, so the supplier payment lands closer to the sale. 

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 whose peak-season invoices will not be collected until January or February. 

Many clients sit on both sides. 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 your clients? 

• Upfront commissions 
• Ongoing trail 
• Airline reward points on settled deals.
• Clients could collect points on facility usage as well. 

Have the conversation while the gap is still on paper. Spot and refer, register for Connective Cashflow on your Mercury platform or ask your Connective Cashflow BDM to workshop a scenario. 

When household budgets are under pressure, even small changes to a home loan can make a meaningful difference.

Many of your clients are looking for ways to improve cash flow, simplify their finances or regain control of their repayments. Whether they're managing rising expenses, consolidating debt or rebuilding after past credit challenges, having more lending options can help you deliver a solution that fits their circumstances.

Cashflow help

For clients looking to improve cash flow, there are flexible refinancing and debt consolidation options that can combine multiple debts into a single repayment. Eligible borrowers may also benefit from loan terms of up to 40 years, with up to five years interest only, helping to reduce monthly commitments when appropriate.

• No LPF up to 90% LVR on select Prime Full Doc options. Ends 12 Nov 2026^*
• No LPF up to 80% LVR on select Prime Alt Doc options
• Loan terms up to 40 years
• Interest only, maximum 5 years
• Flexible refinancing and debt consolidation, including tax, business, private and solicitor debt
• More options for servicing, with a 1% buffer in select scenarios.

Income types

Connective Solutions caters to a broad range of income types, including PAYG employees, casual workers, clients with multiple jobs and those receiving commission, bonuses or overtime. Other income sources, such as Family Tax Benefit, child support, workers compensation and income protection payments, may also be considered.

• PAYG income, including full-time, part-time, casual and second jobs
• Additional earnings, including commission, bonuses and overtime
• Other income, including Family Tax Benefit, child support (no age limit), workers compensation and income protection.

Credit history

Clients with less-than-perfect credit histories may still have pathways available. Connective Solutions can consider scenarios including:

• Discharged bankruptcy,from 1 day
• Defaults (paid/unpaid), late payments and mortgage arrears
• Part IX/X agreements
• small business debt restructure.

When a client needs more financial breathing room, having access to flexible lending solutions can help you explore more possibilities and keep their goals moving forward. If you have a scenario in mind, reach out to your CLM or your Connective Solutions BDM.

Important Information

Information is correct as of 29 October 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. We recommend clients consult a licensed financial or tax adviser.

^*Promotion applies to new Prime Home Loan (Full Doc) residential purchase applications in Cat 1 & 2 locations up to 80% LVR for loan amounts up to $2.5M, and 80%-90% LVR for loan amounts up to $1.5M. If the property type is a unit, then it must be ≥ 40SQM. Applications must be submitted and conditionally approved between 12:00am AEST 1 April 2025 and 11:59pm AEST 12 November 2026 (Promotion Period).

For many SMSF clients, refinancing can feel like a lengthy process, even when they've maintained a strong repayment history. That's where Connective Solution's Seriously Easy SMSF Refi option could open the door to a faster, more straightforward solution.

If your client has been making their repayments on time and is looking to refinance the same loan amount (plus loan setup fees), they may qualify for a streamlined assessment process. Instead of extensive servicing calculations, eligibility can be assessed using six months of repayment history, helping reduce complexity and save valuable time.

There’s still time for eligible corporate trustee SMSF clients to take advantage of our faster, simpler refinance option. A light touch serviceability assessment1 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.

Limited time $0 application fee

Eligible Prime Seriously Easy SMSF Refi loans secured by residential property can access a $0 application fee, with interest rates from 7.34% p.a.³, for a limited time.

With the promotion ending 12 November 2026², now is a great time to review your SMSF clients' current lending arrangements and identify opportunities to help them save.

If you have a client who may benefit from lower repayments, a simpler refinance process or both, submit a scenario and see what's possible.

Important Information

Information is correct as of 29 October 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. We recommend clients consult a licensed financial or tax adviser.

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.

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 12 November 2026.

³SMSF loan variable interest rates range from 7.34% p.a. – 10.24% p.a. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.

For investors and business owners, upfront costs can be one of the biggest hurdles when purchasing or refinancing commercial property. That's why the Commercial Edge Promotion from Connective Advance continues to be a valuable opportunity to help your clients reduce costs and get their lending plans moving sooner.

Available on eligible Commercial and Commercial Self-Managed Super Fund (SMSF) loans, Commercial Edge delivers meaningful savings by waiving or reducing a range of upfront fees.

How can Commercial Edge help?

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

Eligible loan types

Commercial Edge savings are available across:

• Commercial Full Doc, Mid Doc and Quick Doc loans
• SMSF Commercial Full Doc and Mid Doc loans
• Lease Doc facilities

Who could benefit?

As you review your pipeline, consider clients such as:

• Commercial property owners refinancing and looking to reduce establishment costs
• SMSF borrowers who could put the savings to work elsewhere in their investment strategy
• Business owners who want to retain more working capital after settlement

At a time when many borrowers are carefully managing cash flow and acquisition costs, opportunities to lower transaction expenses can make a real difference. Commercial Edge gives brokers another way to help clients maximise value while accessing the funding they need to move forward with confidence.

If you have a commercial deal in the pipeline, now is the time to explore whether the Commercial Edge Promotion could benefit your client. Speak to your CLM or Connective Advance BDM to discuss eligibility requirements and how the offer could support your next submission.

Competitive pricing can make a meaningful difference when brokers are helping clients pursue their commercial property goals or invest in business real property through an SMSF.

Effective 17 September 2026, interest rates have been reduced by up to 35 bps across selected commercial and SMSF business real property loans. The reduced rates provide an opportunity to revisit your pipeline and identify eligible clients who may benefit from the sharper pricing.

New rates now available

• Commercial loan rates from 7.79% p.a.
• SMSF business real property loan rates for corporate trustees from 7.64% p.a.

With loans of up to $5 million, lending of up to 80% LVR and loan terms of up to 30 years, Connective Solutions can provide brokers with more options when discussing eligible commercial property and SMSF business real property scenarios.

If you have a client looking to purchase or refinance commercial property, or an SMSF corporate trustee exploring business real property finance, consider whether the updated pricing could be relevant to their circumstances.

Discuss a commercial or SMSF lending scenario

For guidance on the updated pricing or to discuss how it may apply to a commercial or SMSF business real property scenario, contact your Connective Lending Manager. They can provide one-on-one guidance and help you discuss the available options for your client.

Important information

Information is correct as of 24 September 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. We recommend clients consult a licensed financial or tax adviser.

• Commercial loan interest rates range from 7.79% to 9.99% p.a.
• SMSF business real property loan interest rates for SMSF corporate trustees range from 7.64% p.a. to 9.89% p.a.

The actual interest rate applicable will depend on the individual borrower’s circumstances and the information verified during the loan application assessment.

Competitive pricing can make a meaningful difference when brokers are helping clients pursue their commercial property goals or invest in business real property through an SMSF.

Effective 17 September 2026, interest rates have been reduced by up to 35 bps across selected commercial and SMSF business real property loans. The reduced rates provide an opportunity to revisit your pipeline and identify eligible clients who may benefit from the sharper pricing.

New rates now available

• Commercial loan rates from 7.79% p.a.
• SMSF business real property loan rates for corporate trustees from 7.64% p.a.

With loans of up to $5 million, lending of up to 80% LVR and loan terms of up to 30 years, Connective Solutions can provide brokers with more options when discussing eligible commercial property and SMSF business real property scenarios.

If you have a client looking to purchase or refinance commercial property, or an SMSF corporate trustee exploring business real property finance, consider whether the updated pricing could be relevant to their circumstances.

Discuss a commercial or SMSF lending scenario

For guidance on the updated pricing or to discuss how it may apply to a commercial or SMSF business real property scenario, contact your Connective Lending Manager. They can provide one-on-one guidance and help you discuss the available options for your client.

Important information

Information is correct as of 24 September 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. We recommend clients consult a licensed financial or tax adviser.

• Commercial loan interest rates range from 7.79% to 9.99% p.a.
• SMSF business real property loan interest rates for SMSF corporate trustees range from 7.64% p.a. to 9.89% p.a.

The actual interest rate applicable will depend on the individual borrower’s circumstances and the information verified during the loan application assessment.

With cost-of-living pressures continuing to bite and credit card balances rising, debt consolidation could help some clients simplify their finances and regain control of their cash flow. We're giving you more ways to help more clients say yes to what's next.

• Let’s go larger - Loans up to $5M with 80% LVR and $3M with 95% LVR
• Let’s go broader - More borrowing power for cat 1-4 and high-density securities
• Let’s go beyond - Up to 95% LVR on Alt Doc option

When you need more flex

Policy options to help

• Loan terms up to 40 years
• 1% buffer for select scenarios
• Unlimited debt consol, incl. tax & business debt.
• Refi private & solicitor debt
• Cash out for business use
• Interest only (max 5 years)

Income types

• Full/ part time
• Casual or second job
• Commissions/ bonus
• Family Tax A & B / child support
• Workers compensation or income protection

With lending for real world scenarios, we’re helping you say yes, more often. Let’s go.

Submit a scenario.

Important information

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

Information provided is factual only and isn’t intended to imply any recommendation about any financial product(s) or constitute financial or tax advice. We recommend clients consult a licensed financial or tax adviser.

Source: RBA, Retail Payments, June 2026 and Flinders Wicked Problems Report, Flinders University, 8 August 2026

The shortest answer to the question “Who could be a Connective Skip customer?” is: clients whose borrowing capacity is stronger than the deposit they currently have available.

You can generally group these clients into four types:

1. First home buyers who fall outside the Government Scheme

   Many first home buyers may have the income to service a loan, but still fall outside Government Scheme criteria. You may be working with clients who are purchasing above the property price caps, buying with a visa-holder partner, or wanting to keep more cash aside after settlement.

2. Upgraders, rebuilders and other non-first home buyers

   For upgraders, available equity can be the difference between settling for the next property and making the move they actually want. Connective Skip may help you stretch their equity further, so they can move sooner rather than waiting to build a larger deposit.

   Divorcees and rebuilders may also be a strong fit. You may have clients with good incomes and strong servicing, but a reduced asset base—and they may not want to wait years to rebuild a traditional deposit before getting back into the market.

3. Family-supported buyers who want to avoid a guarantee

   Connective Skip can help you support family-assisted purchases with less cash upfront, while avoiding the complexity and financial pressure of a family guarantee. Parents may contribute less, your clients may still secure the property, and the family can keep the lending structure simpler.

4. Clients already in your back book

   Your existing client base can also be a strong place to look. Start with stalled pre-approvals: if your client can service the loan but cannot reach their ideal property with the deposit they have, Connective Skip may help you progress the deal. Our modelling shows up to 30% more purchasing power than a 95% LVR loan with LMI, based on the same funds to complete and monthly repayments.

   You can also look for clients who want to remove a family guarantee. A cashless refinance may help release the parents’ property while moving your clients onto a loan they can afford.

   Connective Skip lends up to 98% LVR, with rates from 6.39%, low fees and no LMI. If one of these client types comes to mind, speak with your Connective Skip BDM to discuss whether it may be suitable.

Discuss a Connective Skip scenario

If one of these client types comes to mind, contact your Connective Lending Manager to discuss the scenario and whether Connective Skip may be suitable.

A competitive rate remains important for many borrowers. But in today’s market, the bigger challenge is often finding a lender with policy settings flexible enough to reflect the reality of a client’s circumstances.

Not every strong borrower fits neatly into a standard assessment model. You may be working with:

• a self-employed client with one year’s financials who is running a successful business
• a temporary visa holder with stable income and a long-term future in Australia
• a borrower with significant equity who needs more flexibility around cash out or loan structure.

In these scenarios, the question is not simply whether the client deserves a competitive rate — it is whether they can access one.
That is where flexible lending solutions can play an important role in your toolkit. They give you more ways to move beyond a standardised profile and identify an option that better aligns with your client’s broader circumstances.

Competitive pricing meets flexible policy

Connective Select is designed to help you support clients whose circumstances may fall outside traditional lending parameters, while still providing competitive pricing. The proposition is now stronger, with reduced rates available from 14 September to 30 October 2026 on eligible owner occupied and investment principal and interest loans up to 80% LVR.
During the campaign period, owner occupier rates start from 5.94% p.a. on basic products and 5.99% p.a. on offset products. Investor rates start from 6.09% p.a. and 6.14% p.a. respectively.

The rate reduction is only part of the story. Connective Select also offers:

• no credit scoring
• self-employed eligibility with one year of financials and 12 months ABN history
• acceptance of most visa types
• generous cash-out policy
• 100% offset functionality across fixed and variable products
• the continued waiver of the $299 establishment fee.

Turn flexibility into more client options

This campaign gives you a timely reason to revisit clients who have been difficult to place, or whose circumstances call for a more flexible assessment. Competitive pricing creates the most value when your client can qualify for it.

To discuss a scenario and determine whether Connective Select could suit your client, contact your Connective Lending Manager.

Many retirees have built significant wealth through their family homes, but that wealth is not always easy to access. While superannuation or pension payments may cover day-to-day expenses, rising costs and changing needs can create a gap between available cash flow and the equity tied up in the home.

For eligible homeowners aged 60 and over, a reverse mortgage may provide a way to access some of that equity without needing to sell or move. It can help clients stay in familiar surroundings while using the wealth they have built to support retirement needs.

As with any significant financial decision, a reverse mortgage will suit some clients and circumstances better than others. The benefits below can help guide conversations with eligible clients and highlight where Connective Reverse can help:

1. Stay in the family home

   Clients can access equity while continuing to live in the home they know. This may provide an alternative to downsizing, which can involve:

   • Selling and purchasing costs
   • Limited availability of suitable properties
   • The practical and emotional challenge of leaving a familiar home, community and support network

   Downsizing may still be appropriate for some clients, but it is not always simple or cost-free. It should be considered alongside other available options.

2. Benefit from legislated protections

   Reverse mortgages in Australia are regulated under the National Consumer Credit Protection Act 2009 and include a No Negative Equity Guarantee. This means the client, or their estate, will not owe more than the value of the home, even if the loan balance eventually exceeds the property’s sale price.

   Clients also retain the right to occupy their home, provided they continue to meet the relevant loan conditions, such as keeping the property insured and maintained.

3. Retain ownership and flexibility

   The client remains the legal owner of their property throughout the life of the loan. The loan is secured against the home, with the balance generally repaid when the property is sold.

   Connective Reverse also allows voluntary repayments, which may help reduce the loan balance or slow the effect of compounding interest. If the client later decides to move, the loan may be portable to another property, subject to lender approval.

4. Access equity without regular monthly repayments

   Regular monthly repayments are not required. Instead, interest is added to the loan balance and the balance is generally repaid when the home is sold.

   Because interest compounds, the amount owed will increase over time and may reduce the equity remaining in the property. Clients should understand this effect before proceeding.

5. Choose how funds are received

   Connective Reverse gives eligible clients different ways to access funds, depending on their needs. Options may include:

   • A lump sum for a larger expense
   • A regular income stream
   • A combination of lump sum and regular payments
   • A contingency amount that can be accessed when required

   Where funds are set aside for later use, interest only accumulates on the amount drawn.

6. Repay existing debt

   Some retirees continue to manage a home loan or other debts after leaving the workforce. Regular repayments can place pressure on a fixed retirement income.

   A reverse mortgage may allow an eligible client to repay an existing loan or other debt, helping reduce regular repayment commitments. The costs and longer-term effect of the reverse mortgage should still be carefully considered.

7. Supplement retirement income

   A reverse mortgage may provide a regular income stream to supplement superannuation or pension payments. Eligible clients may use these funds for everyday living costs, bills, transport or other expenses.

   This may provide another option for clients who have substantial home equity but limited available cash flow.

8. Fund home renovations or modifications

   Clients may use funds for renovations, repairs or modifications that support safer and more comfortable living. This could include bathroom modifications, access ramps, wider doorways, general maintenance or other work that helps the home meet the client’s changing needs.

9. Meet medical or aged care costs

   Home equity may be used to help meet medical expenses, in-home support costs or aged care needs. Depending on the client’s circumstances, funds may be received as a regular income stream for ongoing expenses or as a lump sum for a larger cost.

10. Support family members

    Some clients may want to use part of their home equity to help children or grandchildren while they are still able to see the benefit. This support could help with a property purchase, education costs or other financial needs.

    Clients should carefully consider the effect on their own future needs, remaining home equity and estate before proceeding.

Discuss a Connective Reverse scenario

For more information about how Connective Reverse may support an eligible client, or to discuss a client scenario, contact your Connective Lending Manager.

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.

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.

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.

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.

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.

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 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.

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

SubHeading

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.