Connective Complete

Clients you can help

Connective Complete is a versatile lending solution spanning Residential, Commercial, and SMSF. It's assessor-led, practical, and designed for scenarios where traditional banks often can’t help, enabling you to deliver outcomes for a broader range of clients.

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Self Employed residential borrowers needing flexible lending solutions

Clients consolidating personal, business, or ATO debts, including defaults

Investors or business owners seeking equity release for future investment, equipment, or stock

Complex borrowers - companies, trusts, or layered structures

Borrowers with nonstandard credit history, discharged bankruptcies, or minor defaults

SMSF trustees purchasing or refinancing residential or commercial property

Real-life wins: Stories of success

Self-Employed borrower refinancing with debt consolidation

$850K
Loan Amount

80% LVR

Residential investment propety
Property Type

Self-employed, business owner
Occupation

Scenario: Jenny runs a consulting business and wanted to consolidate personal, business, and ATO debts while refinancing her investment property. Traditional banks were requiring extensive documentation that she couldn’t provide.

Solution: Using Connective Complete’s Alt Doc verification, Jenny consolidated her debts and accessed equity for business growth, with a common-sense credit assessment by a real assessor, all completed within 48 hours.

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Commercial Loan for working capital and equipment

$1.2M
Loan amount

75% LVR

Commercial
Property type

Company Director
Occupation

Scenario: James owns a manufacturing business and needed cash to purchase new equipment and expand operations. His prior ATO debts and complex company structure made traditional bank loans difficult.

‍Solution: Connective Complete provided a commercial loan with flexible Alt Doc verification, consolidated business debts, and released equity for expansion, with assessment tailored to his self-employed and company structure.

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SMSF trustees purchasing commercial property

$1.2M
Loan amount

75% LVR

Commercial
Property type

SMSF Trustees
Occupation

Scenario: Client with an SMSF wanted to purchase a commercial property to generate income, but traditional lenders required extensive paperwork and wouldn’t consider Fund-only servicing.

‍Solution: Connective Complete provided a flexible SMSF loan with Fund + Proposed Additional Member Contributions servicing, reduced documentation, and quick approval. The trustees successfully secured the property, unlocking a reliable income stream for their SMSF and maximising investment potential.

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Loan products

Residential

Helping self-employed and complex borrowers access property finance.

Loan amount: $100k – $2.5M

LVR: up to 90% (Cat 1 only)

Loan term: Max. 30 years (IO 1–5 years)

Alt Doc specialist solutions (6–24 months ABN, GST registration as required) and Full Doc options

Vacant land loans up to 80% LVR

Debt consolidation including personal, business, and ATO debts (defaults considered)

Equity release permitted (policy dependent, up to $1.5M)

No credit scoring or CCR, all applications assessed by real people

SMSF

Flexible SMSF lending for residential or commercial property.

Loan amount: $100k – $3M

LVR: Residential up to 80%, Commercial up to 75%

Loan term: Max. 30 years (IO 1–5 years)

Fund-only or Fund + Proposed Additional Member Contributions

Alt Doc or Full Doc verification for proposed contributions

No SMSF tax returns required (12-month contributions or prior managed fund accepted)

Reduced paperwork and flexible servicing compared to other products

Commercial

Financing solutions tailored to business owners, trusts, and complex structures.

Loan amount: $150k – $4M

LVR: up to 80%

Loan term: Max. 30 years (IO 1–5 years)

Alt Doc and Full Doc income verification, including lease docs

Cash out for working capital, stock, equipment, business expansion

Consolidation of ATO and business debts

Specialised securities considered

SMSF loan products

Expat

Full Doc home loans for Australian expats and visa holder borrowers.

Loan amount: < $2.5M

LVR: < 80%

Loan term: Max. 30 years

Australian citizens, permanent residents or temporary residents with income in AUD or an acceptable foreign currency

Category 1 and 2 postcodes accepted

100% redraw offset facility included

Non-resident

Full Doc or Alt Doc home loans available to borrowers with non-Australian sourced income and non-residents of Australia.

Loan amount: < $2.5M

LVR: < 80%

Loan term: Max. 30 years

Self-employed Alt Doc accepted

Category 1 and 2 postcodes accepted

100% redraw offset facility included

View full list of accepted countries in the Product Guide.

Bridging

Bridging home loans for Full Doc Prime and Alt Doc Prime borrowers.

Loan amount: < $5M

LVR: Peak Debt < 80% (< $2M) or 70% (< $5M); End Debt < 80%

Loan term: Bridging period 6 –12 months

No repayment required during the Bridging Period

Category 1 and 2 postcodes accepted

100% redraw offset facility included

View full list of accepted countries in the Product Guide.

Vacant Land

Land loans for Full Doc Prime, Alt Doc Prime, Expat and Non-resident borrowers.

Loan amount: < $2M

LVR: < 75% (< 70% for non-resident)

Loan term: < 2 years

Category 1 and 2 postcodes accepted

Self-employed borrowers accepted (including non-resident)

After construction, revert to other Connective Horizon products. Please refer to the details in the Product Guide.

Construction

House and Land construction loans with progress payments.

Loan amount: < $3.5M (Prime only) or < $2M

LVR: < 80% (< 70% for non-resident)

Loan term: Max. 30 years

Available to Full Doc Prime, Alt Doc Prime, Expat and Non-Resident Borrowers

IO repayment during construction

After construction, revert to other Connective Horizon products. Please refer to the details in the Product Guide.

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

Why brokers will love this

Flexible Documentation

Multiple Alt Doc and Full Doc options, including Accountant Declarations

Broker Empowerment

A product for brokers, shaped by brokers. You influence how pricing, policy and product evolution.

SMSF Flexibility

Fund-only or Fund + Proposed Additional Member Contributions servicing; supports individuals, companies, and trusts

Common-sense assesment

No credit scoring or CCR. Every application assessed by a real person, with direct access to credit assessors.

What do brokers say about us?

Makes my job easier

"The home loan process has never been smoother for my clients. Fast approvals, competitive rates, and excellent support from the lending team—this product makes my job easier every time."

Broker Name, Home Loan Company

Makes my job easier

"The home loan process has never been smoother for my clients. Fast approvals, competitive rates, and excellent support from the lending team—this product makes my job easier every time."

Broker Name, Home Loan Company

How does it work?

Clients access their home equity

Eligible clients aged 60+ can borrow against the value of their home without needing to sell.

Use the funds their way

The funds can support a variety of needs, from refinancing, helping family, home upgrades, to aged care or boosting cash flow.

No required repayments

There are no regular repayments while the client lives in the home, interest is added to the loan over time.

Loan is repaid later

The loan is repaid when the property is sold, the client moves into aged care, or passes away.

Two ways to submit

Spot and refer

Have a client suited to Connective Reverse? Simply refer their details through our digital form below and we’ll take care of the rest, keeping you informed throughout the process while you earn commission.

No accreditation or prior reverse mortgage lending experience needed.

Simply complete a short digital form with the client's details.

We will liaise directly with the client to complete the application, keeping you involved and informed every step of the way.

Earn $1000 (inc GST) flat rate commission upon settlement.

Special launch offer: Earn $2000 (inc GST) flat rate commission upon settlement on Retirement Refi. Limited time only!

Get started

Get accredited

Ready to make this a core part of your business strategy? Become accredited to write full applications via the digital application process with clients independently.

Manage the end-to-end application with and for your clients.

The entire lending process can be a digital experience from application through to settlement.

Attend an Accreditation workshop to become accredited and earn upfront and trail commission.

Contact us

Real-life home loan wins: Stories of success

“Using my home equity gave me the freedom to support my grandkids and plan for the future.” – Richard, 77

Richard, a retired accountant, realised that his retirement savings wouldn’t last forever. He wanted to help pay for his grandchildren’s education a legacy he believed in deeply but also needed to plan for his and his wife's future needs.

Instead of selling the home they loved, Richard used Connective Reverse to unlock equity and access the funds he needed. Now, he can support his family and enjoy retirement without financial stress, a decision he says has “taken the anxiety out of life”.

Learn more

“Now I can enjoy life without worrying about repayments.” – Michael, 82

When Michael lost his wife, he was faced with financial uncertainty. As a self-funded retiree, his income had already taken a hit during the pandemic, and with the family home still in his wife’s name - and a mortgage to repay - his bank offered little flexibility.

Through Connective Reverse, Michael was able to transfer the home into his name, pay out the existing mortgage, and set up a regular income stream. With no more loan repayments and access to extra funds for home repairs or enjoyment, Michael says it’s “a great relief” to now spend on what his wife used to call “fun and excitement.”

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“Mum can stay in the home she loves and we can give her the care she deserves.” – Vicky, on behalf of her mum Silkie

Silkie had always been fiercely independent, but as her eyesight deteriorated, her confidence and mobility declined. After a serious accident, she required 24-hour care and an unexpected cost of over $400,000 that went far beyond what the government could cover.

With her remaining savings only lasting 12 months, Vicky and her husband sought advice. Through Connective Reverse, they were able to unlock the equity in Silkie’s home and create a care plan that allowed her to remain in familiar surroundings with the support she needs.

Now, Silkie continues to live safely at home and her family has peace of mind knowing they can fund the care she deserves without financial stress.

Learn more

Resources

Basic Calculators

Postcode LVR Lookup Tool

Connective Complete Broker Portal

Connective Complete Product and Rate Guide

View the latest rate card, fees and charges and other relevant resources in the Research app in Mercury Nexus

Mercury Nexus

Connective Complete

Clients you can help

86% of brokers left this session feeling more confident.Find out why + earn 1 CPD point.

Real-life wins: Stories of success

Self-Employed borrower refinancing with debt consolidation

$850KLoan Amount

80% LVR

Residential investment propetyProperty Type

Self-employed, business ownerOccupation

Commercial Loan for working capital and equipment

$1.2M Loan amount

75% LVR

Commercial Property type

Company DirectorOccupation

SMSF trustees purchasing commercial property

$1.2MLoan amount

75% LVR

CommercialProperty type

SMSF TrusteesOccupation

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

Near Prime

Loan amount: < $2.5M

LVR: < 80%

Loan term: Max. 30 years

Residential

Loan amount: $100k – $2.5M

LVR: up to 90% (Cat 1 only)

Loan term: Max. 30 years (IO 1–5 years)

SMSF

Loan amount: $100k – $3M

LVR: Residential up to 80%, Commercial up to 75%

Loan term: Max. 30 years (IO 1–5 years)

Commercial

Loan amount: $150k – $4M

LVR: up to 80%

Loan term: Max. 30 years (IO 1–5 years)

SMSF loan products

Expat

Loan amount: < $2.5M

LVR: < 80%

Loan term: Max. 30 years

Non-resident

Loan amount: < $2.5M

LVR: < 80%

Loan term: Max. 30 years

Bridging

Loan amount: < $5M

LVR: Peak Debt < 80% (< $2M) or 70% (< $5M); End Debt < 80%

Loan term: Bridging period 6 –12 months

Vacant Land

Loan amount: < $2M

LVR: < 75% (< 70% for non-resident)

Loan term: < 2 years

Construction

Loan amount: < $3.5M (Prime only) or < $2M

LVR: < 80% (< 70% for non-resident)

Loan term: Max. 30 years

Expat

Loan amount: < $2.5M

LVR: < 80%

Loan term: Max. 30 years

Non-resident

Loan amount: < $2.5M

LVR: < 80%

Loan term: Max. 30 years

Bridging

Loan amount: < $5M

LVR: Peak Debt < 80% (< $2M) or 70% (< $5M); End Debt < 80%

Loan term: Bridging period 6 –12 months

Vacant Land

Loan amount: < $2M

LVR: < 75% (< 70% for non-resident)

86% of brokers left this session feeling more confident.
Find out why + earn 1 CPD point.

$850K
Loan Amount

Residential investment propety
Property Type

Self-employed, business owner
Occupation

$1.2M
Loan amount

Commercial
Property type

Company Director
Occupation

$1.2M
Loan amount

Commercial
Property type

SMSF Trustees
Occupation