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:
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.
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.
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.
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.
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.
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.
