Connective Bridge

Connective Bridge, funded by Bridgit, offers clients simple, flexible and accessible bridging loans for both residential and commercial property scenarios.

Provide clients with the flexibility to buy now and
sell later by leveraging the equity built up in their
residential or commercial property. Our bridging
finance solution supports owner-occupied and
investment purposes, helping clients unlock capital
to secure opportunities without waiting for asset
sales or long-term finance.
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Connective Bridge can also be used for alternate
purposes, including equity release prior to sale,
cosmetic improvements or renovations, refinancing,
cash out, and facilitating time-sensitive residential
or commercial acquisitions.

Why you’ll love Connective Bridge

24-hour (residential) or 72-hour (commercial) conditional approval

Don’t let your clients miss an opportunity to buy their dream home.

Fair commission on peak debt amount

Paid upfront, trail commission from 13th month and no clawbacks.

Boost your earnings

Opportunity to refinance loans with an end debt with another lender.

Instant support

Direct access to the credit team and local BDMs every step of the way.

Loan products

Residential bridging

Loan Term: No minimum; maximum of 24 months

Loan amount: Minimum $300k; maximum $10m

Repayments: No monthly repayments, clients can simply repay when they are ready

LVR: LVR up to 85%, LVR limits vary by property type and location

Security: First mortgage, multiple or single security bridging

Interest rates: Speak with your State BDM to get our latest rates or visit the broker portal in Mercury and refer to our product guide

Serviceability: No income verification for downsizing scenarios, serviceability on the end debt within assessment

Commission: 0.35% commission calculated on the peak debt amount. Trail commission earned from the 13th month onwards. No clawbacks.

Commercial bridging

Loan Term: No minimum; maximum of 24 months.

Loan amount: Minimum $300k; maximum $5m.

Repayments: No monthly repayments, simply repay when you are ready.

LVR: LVR up to 75% (product dependent)

Interest rates: Speak with one of our specialists today to understand our rates and fees.

I have a scenario to workshop

Call your BDM or email us at info@connectivehomeloans.com.au and we will be in touch within 2 hours.

Book a 15-min call Email us

Clients you can help with Connective Bridge

Owner-Occupiers

Homeowners or business owners purchasing property for personal or operational use.

Delayed Settlement

Clients who experience delayed settlements on a sale, but don’t want to miss out on a new purchase.

Downsizers & Transitioning Clients

Asset-rich clients using equity to create flexibility in their next move.

Investors

Clients leveraging residential or commercial portfolios for acquisitions, refinancing or timing opportunities.

Business Owners

Clients securing commercial property, releasing equity, or funding time-sensitive transactions.

Equity Release

Funds for renovations, cash flow support, financial
consolidation or capital ahead of a sale or refinance.

Benefits for your clients

No monthly repayments – pay when they’re ready

Unlock property equity quickly

Act fast on time-sensitive property opportunities

Avoid disruption while coordinating sale, refinance or transition

Greater flexibility and time to execute their strategy

Clear exit pathway via sale or refinance

Our Simple Process

Instant scenario workshopping via your BDM.

5-10 minute application submission via the broker portal. No supporting documents are required upfront.

Conditional approval within 24 hours for residential applications and 72 hours for commercial applications, subject to supporting document verification.

Allow up to 5 days for valuations to be completed.
Applications with urgent settlements will be prioritised to meet timing demands but are subject to value schedules.

Settlement in as little as a few days, prioritised as required based on customer timeline.

Refinance end debt to a CL solution.

Get started

Loan Product

Connective Bridge Bridging Loan Product

Loan Term: No minimum; maximum of 24 months
Loan amount: Minimum $300k; maximum $10m
Repayments: No monthly repayments, clients can simply repay when they are ready
LVR: LVR up to 85%, LVR limits vary by property type and location
Security: First mortgage, multiple or single security bridging
Interest rates: Speak with your State BDM to get our latest rates or visit the broker portal in Mercury and refer to our product guide
Serviceability: No income verification for downsizing scenarios, serviceability on the end debt within assessment
Commission: 0.35% commission calculated on the peak debt amount. Trail commission earned from the 13th month onwards. No clawbacks.

Get started

^Comparison rate of 8.58% p.a. is calculated on a $150,000 secured loan over a 25-year term where a minimum repayment of 40% of the initial loan amount is made within the first 6 months of the loan commencing. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. Comparison rates for interest only loans will not reduce your loan balance. This may mean you pay more interest over the life of the loan. Bridging Loan set up fee is from 0.79%. Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply.

Connective Bridge, funded by Bridgit, offers clients simple, flexible and accessible bridging loans for both residential and commercial property scenarios.

Why you’ll love Connective Bridge

Loan products

Full Doc Prime

Loan amount: < $5M (OO) or < $3M (Inv)

LVR: < 95% inclusive LMI

Loan term: Max. 30 years

Alt Doc Prime

Loan amount: < $5M (OO) or < $3M (Inv)

LVR: < 80% ($0 risk fee)

Loan term: Max. 30 years