Connective Advance

Product offering

Residential

Loans for residential purchase, refinance or equity access.

Loan amount: < $5M

LVR: < 80%

Loan term: < 30 years P&I or 5 years IO

Full Doc & Mid Doc options

Newly self-employed eligible (ABNs 3+ months)

No DTI cap, rental cap or notional rent

Available to individuals, companies, trusts

Rates based on security type, not purpose

Commercial

Commercial lending for business or investment purposes.

Loan amount: < $10M

LVR: < 80%

Loan term: < 30 years P&I or 5 years IO

Full Doc, Mid Doc, Quick Doc, or Lease Doc

Broad securities (office, retail, industrial, specialised)

No WAULT/WALE or annual reviews

Flexible cash out up to 80% LVR

SMSF

SMSF lending for residential or commercial property.

Loan amount: < $10M commercial or <$5M residential

LVR: < 80%

Loan term: < 30 years P&I or 5 years IO

Full Doc & Mid Doc options

Residential or commercial security

Contributions (incl. projected) accepted

Advanced structures (TIC, unit trusts, in-specie)

Private

Short-term and flexible lending solutions.

Loan amount: < $7.5M

LVR: < 75%

Loan term: <3 years (IO)

Mid Doc & Quick Doc options

Residential, commercial or land security

Suitable for investment, working capital or refinance

Flexible cash out (non-personal purposes)

See Full Niches Guide