Focused on helping small businesses and commercial property investors with property acquisition, loan refinance, and equity release. Our team always take a commonsense approach, all applications are assessed on their merits, and there is no credit scoring.
Our Niches
- Commercial and Commercial SMSF loan amount up to $10M
- Up to 80% LVR
- Up to 30 years P&I or 5 year IO
- Property types: office, retail, industrial, multi-residential, boarding houses, specialised securities, or vacant land
- Full Doc, Mid Doc, Quick Doc, or Lease Doc
- No WAULT/WALE requirements
- No annual reviews or revaluations
- GST funding available for loans above standard LVRs
- Newly self-employed eligible (ABNs 3+ months)
- Flexible cash out options up to 80% LVR
- Lease Doc: Available for properties with a 2-year arm’s length lease term (max 25-year term)
- Line of Credit: 5-year term, no annual reviews
- Extended loan terms up to 30 years for Loans Over $4M
- Simplified servicing with Mid Doc ICR reduced from 2.0x to 1.75x
- Streamlined approvals with the Commercial SMSF net asset requirement removed
Commercial + Equity release Recently Settled Transaction
Security property in Port Melbourne, VIC | $4,000,000 | 45% LVR | 25 years P&1
- The borrower is a self-employed sole trader, operating a construction supplies business
- The purpose of the loan was to refinance and provide equity release - used to purchase new materials for the business
- Even though the borrower has only been self-employed for 12 months, we were still able to proceed given our flexible policy for those newly self-employed (ABNs 3+ months permitted
- Our Mid Doc option allowed us to verify serviceability without delaying the purchase
In Case you missed it…we’re live with CitoPlus!
Commercial and SMSF application submission is available through CitoPlus via Mercury Nexus, enabling a fast, efficient and seamless digital lodgement experience.
Refer to our Product Info and Rates for full details.
Need help structuring the next commercial deal?
If you are working on a commercial purchase, refinance or equity release scenario, your Connective Lending Manager or Connective Advance BDM can help you shape the structure and progress the application with confidence.
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