Connective Horizon provides flexible lending solutions designed to meet complex borrower needs, whether your clients are self-employed, expats, non-residents, SMSF trustees, or seeking construction or commercial finance. Coupled with competitive rates and streamlined approvals, we help ensure a smooth and efficient lending experience.
View ProductsConnective Horizon, funded by Brighten, offers tailored home and commercial loan solutions designed for clients with more complex or diverse financial needs. From Full Doc and Alt Doc options for Expat, Non-Resident, Bridging, Construction, Vacant Land, SMSF and Commercial loans, Connective Horizon covers a wide range of scenarios.
With flexible income verification, competitive rates, and a streamlined process, it’s a comprehensive solution for clients seeking versatility without compromise.
Scenario: Jon, a self-employed Hong Kong citizen, purchased a high-density investment apartment in Melbourne nearly nine years ago. Paying over 10% interest, he wanted to refinance but faced challenges due to limited income documentation as an overseas borrower.
Solution: Using a consistent 12-month repayment history, Jon refinanced without additional income documents, reducing his rate to 7.24% and saving significantly. This was achieved through the Connective Horizon Non-resident product, designed for self-employed and PAYG non-residents and residents with approved foreign income seeking an Alt Doc solution.
Scenario: Nick and Nina, planning a knockdown rebuild in Dover Heights, Sydney, needed a fast solution. With Nick self-employed and 2024–25 financials not yet finalised, they required a lender who could offer an Alt Doc construction loan without delay.
Solution: Connective Horizon approved their $2M loan at 80% LVR within a week using an accountant’s declaration through the Connective Horizon Construction product. Once the build is complete, the loan will seamlessly revert to Connective Horizon Alt Doc Prime with no extra paperwork.
Scenario: Maya, an Australian permanent resident living and working in Saudi Arabia, wanted to purchase an investment property in Brisbane. Her income included a base salary plus allowances for living and rental expenses. She was concerned her remuneration structure might limit her borrowing power and impact her ability to meet servicing requirements.
Solution: Maya was able to borrow up to 80% LVR with 100% of her base salary and allowances accepted. The Connective Horizon Expat product made her investment purchase possible as it is designed for Australians earning in AUD or 20+ foreign currencies,
Full Doc home loans for Prime PAYG and self-employed borrowers.
Alt Doc home loans for Prime self-employed borrowers.
Full Doc and Alt Doc home loans for Near Prime PAYG and self-employed borrowers.
Full Doc home loans for Australian expats and visa holder borrowers.
Full Doc or Alt Doc home loans available to borrowers with non-Australian sourced income and non-residents of Australia.
Bridging home loans for Full Doc Prime and Alt Doc Prime borrowers.
Land loans for Full Doc Prime, Alt Doc Prime, Expat and Non-resident borrowers.
House and Land construction loans with progress payments.
Commercial loans for Full Doc and Alt Doc borrowers.
Commercial loans for Lease Doc borrowers.
Purchase, refinance or equity release of residential or commercial property.
A competitive Full Doc and Alt Doc loan for SMSF borrowers.
Call your BDM or email us at info@connectivehomeloans.com.au and we will be in touch within 2 hours.
