More Flexibility, More Opportunities

We are making it easier for your clients to access a broader range of flexible lending options, with enhancements across Residential, Commercial, SMSF and Private Lending.

Commercial Loans Now up to $10M

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

Enhanced Commercial Flexibility for Loans Over $4M

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

Vacant Land Now Accepted as First Security

Unlock more deal possibilities with vacant land now accepted as first security across Residential, Commercial and Private Lending. Refer to the rate sheet for full details.

Ease the Fees with our $990 Combo Loan Offer

1 x commercial (≤$4M) + 1 or more residential loans (≤$2.5M).

This $990 reduced fee offer covers:

• Residential Establishment Fee (usually $650)
• Commercial Establishment Fee (usually 0.95% loan amount)
• Residential valuation fees
• Legal fees for commercial and residential loans*

If above standard legal fees are accrued, costs to be met by applicant

We work exclusively with mortgage brokers, and that focus drives our commitment to continuous innovation. We’re continually developing products and offerings that help brokers deliver the best possible experience and outcomes for their clients.

You can now submit Commercial applications through CitoPlus via Mercury Nexus to experience fast, efficient and seamless digital lodgement.

Let’s explore the opportunity together.

If you have a Commercial scenario you want to discuss, connect with your Connective Lending Manager or Connective Advance BDM to workshop the deal and move it forward efficiently.