Advance and expand: what's new across our lending suite

We’ve rolled out a series of enhancements across our Commercial, Residential and Private Lending offerings, all designed to give brokers greater flexibility, simpler servicing and more opportunities to get deals done.

Whether you’re working with business owners, SMSF clients or residential investors, these updates are all about supporting brokers and removing unnecessary complexity.

Commercial loans now up to $10 million

The maximum loan amount for both Commercial and Commercial SMSF loans has increased to $10 million, providing greater capacity for higher-value funding while maintaining flexibility.

Enhanced flexibility for loans over $4 million

We’ve also introduced a range of enhancements for commercial loans over $4 million, making it easier to structure deals and meet servicing requirements:

• Extended loan terms up to 30 years, improving cash flow and long-term affordability
• Simplified servicing with the Mid Doc Interest Cover Ratio (ICR) reduced from 2.0x to 1.75x
• Streamlined approvals with the Commercial SMSF net asset requirement now removed
  These updates mean fewer barriers to approval and a smoother experience for both brokers and clients.

Vacant land now accepted as first security

We’ve expanded our security options to give brokers greater flexibility and funding solutions. Vacant land is now accepted as first security across Residential, Commercial and Private Lending. Refer to our rate sheet for full details.

Residential rates reduced across all LVRs

Residential and Residential SMSF Mid Doc rates have recently been reduced by 0.10%.

Want to further understand what’s changed?

With multiple enhancements now live across the Advance lending suite, your Connective Lending Manager or Connective Advance BDM can help identify where these updates may create new opportunities.