Maintain momentum with short-term GST funding.

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.

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