Top Niches Guides

Up to date as of 8 October 2025

Residential

Connective Complete Backed by Connective
For clients who are typically self employed and looking for a Prime, Near Prime or Specialist loan.

Security
Rates based on security not loan purpose
Units and apartments consideration based on overall complex density
Lending solutions for apartments with a minimum 40sqm and 50sqm living area
Solutions for properties located in Category 1, 2, 3 & Refer locations
Land with dwelling up to 25 acres in size
Vacant Land as additional or standalone security

Income
Full Doc and Alt Doc income verification options
Choice of four self-employed Alt Doc options in lieu of tax returns – Accountants declaration or 6 months BAS or 6 months business bank statements or 6 months director’s salary credits
Full doc utilising most recent 1 year’s financials acceptable
PAYG full time, part time, casual and second job accepted
Bonuses, commission and overtime accepted
Rental income shaded at 85% or 80% pending product and rental type and terms

Servicing
No Credit Scoring or CCR
Genuine savings not required
Reduced DSR for borrowers with investment debt
2% servicing buffer
For living expenses, no personal bank statement required where living expenses declared are >HEM and DSR ≥1.15

LVRs/Loan Limits
No Lenders Mortgage Insurance
Minimum $100K loan size
Residential up to $2.5M (higher amounts by exception)
Residential LVR up to 90%
Vacant land loans
Loan terms up to 30 years on all products
Flexible cash out up to $1M using stated purpose, higher amounts with declaration and supporting information

Borrowers
6, 12, & 24 month ABN options with GST registration only as required
Self-employed Full Doc verification with 1-year financials
Business debts and business purpose acceptable
ATO debts and defaults acceptable
Complex lending structures including companies and trusts
For borrowers who do not have traditional bank documentation

Conduct
No Credit Scoring or CCR
Clearance of ATO debts available on all residential products (including Prime)
Blemished credit history including ATO debts and defaults or other paid and unpaid defaults
Solutions for customers with mortgage or unsecured debt arrears
Various solutions for paid and unpaid defaults up to $5,000
Court actions up to $100,000 acceptable
Solutions on late payments on mortgages, other loans and credit cards
Discharged bankruptcy including Part IX and X debt agreements considered

Connective Select Backed by Bendigo Bank (previously Adelaide Bank)
For clients who want a premium home loan with broad features.

Security
High density dwellings or apartments size to 40sqm (excluding balconies, carpark and storage.
Up to 10 units on title for established dwellings. Max 65% LVR for 4+ units or dwellings on 1 title (talk to BDM).
Rural residential up to 50 hectares acceptable (talk to your BDM).
Acceptable titles include:
- Torrens title
- Strata title
- Community title
- Crown leases (inc. ACT leases).
Income
PAYG:
- Full time, part time, casual, or dependant contractor. Minimum 6-months in job or 12-months continuous service in same industry/role.
- Probation acceptable subject to minimum 12-months in the same industry/role.
Commission payments must have been received for at least 12-months with current employer (80% included as income).
Bonus payments must have been received for at least 2-years with current employer (80% included as income). Average of 2 years used to service.
Self-employed:
- Minimum of 1-year trading as sole trader, company, company director and/or sub-contractor.
- 1-year financials for self-employed applications that do not require LMI - talk to BDM about supporting docs.
- Financials acceptable for 18 months e.g. Dec 31^stfollowing year
Rental income 
- Reduced shading applied to rental income to 10% for new and existing rental properties. 
- Categories 1, 2 & 3 only.
Short-term rental income (inc. AirBNB) acceptable if evident over a 12-month period, verified via Income Tax Returns with operating expenses to be included within the Declared Living Expenses (DLE). Income will be shaded to 90% and no rental yield cap applied.
Servicing
No credit scoring.
Return to work income can be used in servicing for extended leave or maternity leave. Must be returning to same employer and childcare expenses that will apply upon return to work must also be included in the declared living expenses. Any shortfall during leave on NSC to be mitigated. Servicing based on RTW income via employment letter any shortfall to be mitigated with savings.
Casual income verified YTD annualised over 48-weeks (or if in an education field 40-weeks).
Commission income is classified as a primary income source.
Allowances confirmed over 3-month period and a permanent part of ongoing income (reimbursements not allowed).
Car Allowance confirmed regular 3 months to reimburse expenses. Any lease added to liabilities DLE to reflect expenses
Overtime confirmed as regular over a 6-month period 80% used.
Emergency services 100% annualised over 52-weeks, must be evidenced over a 6-month period with current employer.
Bonus must be received from same employer for 2-years and average of 2-years used in servicing. 80% shaded.
Joint debt non loan party - 100% debt and 100% rental.
CCR above 800 all applicants’ refi DLE accepted without review unless statements uploaded
CCR 1^st home buyer above 1000 and DLE 110% of HEM accepted without review unless statements uploaded
ATO payment plans <$1000 are not considered adverse and can be included in liabilities. Assessment of future commitments and BAS must be up to date >$1000 Line 2 approval
LVRs/Loan Limits
Owner-occupied up to 95% LVR (fixed and variable rate), high density 90%
- Interest only up to 90% LVR
Residential investment up to 90% LVR (fixed and variable rate)
- Interest-only up to 90% LVR
Maximum loan size:
● Above 90% LVR is capped at $750K.
● Between 80% and 90% LVR is capped at $1.5M.
● Up to 80% LVR is capped at $5M.
● Up to 60% LVR is capped at $7.5M.
Location dependant for all loan sizes, refer to max loan size table in Credit Policy.
Borrowers
Individual applications only (no company or trust applications).
Non-residents accepted when joint applicants with AU residency (talk to your BDM).
Non-permanent-Australian resident holders acceptable. Visa type needs to be pathway to permanent residency (talk to your BDM).
Exit strategy not required unless 50 or above
Conduct
Credit listing:
- Up to 2 Defaults (must be paid status) on a credit report completed on an individual, aggregate value less than $1,000, paid for at least 6-months.
- Applicants with prior credit indiscretions, including any adverse credit history on a credit report - talk to your BDM.
Discharged and undischarged bankrupts are not acceptable.
Minor RHI status 2 x 1 or 1 x 2 or combination 1 and 2 in recent 6-months can be mitigated.
FHI is not simply declined. If meeting min payments and legitimate reason <80% we can review. Contact BDM / no cash out / statements required
For anything outside of this, refer to your BDM.
Product
100% offset available against fixed rates as well as standard variable rates.
Fixed rate is locked in once formally approved - no rate lock fee.
No annual fees.
First valuation fee expense is free and/or where multiple securities valued in single application, highest valuation expense is waived.
Competitive "cash out" parameters to access property equity:
- Any loan with LMI, maximum cash out $100,000. The LMI providers requirements must also be met.
- < $500,000 and < 80% LVR - Submission commentary only
- > $500,000 and < 80% LVR - Submission commentary and supporting verifications to demonstrate intended use of funds.
Regardless of the loan amount, where the funds are being used to purchase an investment property AND servicing is reliant on the subsequent rental income to meet serviceability. This has not been completed (need COS and funds controlled at settlement).

Connective Elevate Backed by Bluestone
For clients who want flexible home loan options, from prime through to specialist.

Security
Free upfront valuations up to $440 value for SMSF and Residential loans.
AVM's acceptable up to 80% LVR – restrictions apply.
Vacant land is an acceptable sole security - max loan $1.5M / 70% LVR
Can accept high density apartments up to 90% LVR for existing units or 80% LVR for new units (only in buildings with 4+stories and less than 3-years old).
Desktop valuations acceptable up to 80% LVR – restrictions apply.

Income
Bonus and commission at 100% for 12 months history in Near Prime or 24 months for Prime.
Clawback period reduced to 6 months on all Prime Alt Doc home loan deals settled from 1st August 2024,Near Prime, Specialist and Specialist + home loan deals settled from 1st April 2024.
No age limit for kids in Near Prime for Family Tax A&B and child support / maintenance income.
Airbnb and holiday rental income is shaded to 80% and only require 3 months statements for confirmation.
Rental income verification reduced to 1 month’s evidence - if the property is rented via a managing agent – 3 months consistent credits for private rental.
100% of car allowance accepted as income on all product types.
Overtime 100% on all products if can show it's consistent over 6 months.

Servicing
Tax deductions (Gearing) allowed on company or trust borrower applications.
Investor servicing:
• Gearing calculated using actual interest rate of investment loan (existing & future)
• Accept sole source of income as rent for Professional Investors with no DTI and generous OFI calculation of actual rate, plus servicing buffer over new Connective Elevate loan term e.g. 30 years.
1.5% buffer for Prime and Near Prime up to 70% LVR; 2% on all other products and LVRs.
HEM is calculated on total income after gearing applied. Insurances, childcare, investment property costs are inclusive in HEM. No personal statements required.
ATO debts can be included in servicing if client wants payment plan to remain or paid out - max owing $200k for Near Prime.
Market leading 24–48-hour credit assessment from submission for all applications including SMSF and pre-approvals (fully assessed).

LVRs/Loan limits
Maximum loan amount up to $3M for metro areas and $2M for non-metro.
Up to 90% LVR for Owner Occupied and Investor.
Up to 85% LVR for Specialist and 80% LVR for Specialist+ loans (check postcode locator).
No LMI on any loans - risk fee applies for some products and LVRs.
Unlimited cash out on all products - evidence of purpose required over $200k or where 50% of valuation exceeded ($200k max >80% LVR on Specialist).

Self-employed borrowers
Unlimited business debt including ATO debt into owner occupied & investment securities (rates based on security type not purpose – Near Prime if Tax Debt).
Will accept 12 months tax returns for Near Prime Full Doc product Refinance.
No company liabilities in servicing but will accept 100% Net Profit, 100% Director's salary and add backs - depreciation capped at 50% on the total NetProfit.
Self-employed Alt Doc requires 1 form of verification only – either Accountants Letter or 6 months BAS or 6 months Bank statements.

Conduct
Flexibility with late & overlimit payments on unsecured debts being refinanced on Near Prime loans.
Up to 3 months mortgage arrears considered in the last 6 months.
Unlimited debt consolidation in all products, including business debts (ATO Tax Debt not available in Prime).

Connective Horizon Backed by Brighten
Comprehensive range of products designed to meet diverse financial needs.

Security
Category 1 to Category 3 locations accepted across different product ranges.
Standard residential securities including houses, townhouses, and apartments.
Construction, bridging, and vacant land accepted under applicable products - ask your BDM.
Income
PAYG and self-employed income accepted.
Onshore and offshore (foreign-sourced) income accepted, depending on product.
Income verification options include Full Doc and Alt Doc documentation methods.
Servicing
Competitive borrowing capacity, including:
• Existing debt assessed at 125% of actual repayment
• 2% assessment buffer
• 1% buffer under Alternate Refinance Policy
• 10% shading for rental income.
LVRs/Loan Limits
Up to 95% LVR, up to $5M for Full Doc.
Up to 80% LVR, up to $5M for Alt Doc and Bridging.
Up to 80% LVR, up to $3.5M for Construction.
Up to 80% LVR, up to $2.5M for Expat and Non-Resident.
Up to 75% LVR, up to $2M for Vacant Land.
Borrowers
Suitable for a wide range of borrowers looking to purchase, refinance, or access equity from residential securities.
PAYG and self-employed applicants.
Individual, company, and trust borrowers.
Expatriate and non-resident borrowers with onshore or offshore income.
Credit-impaired borrowers considered under Near Prime and Specialist products.
Conduct
No credit scoring.
Paid defaults under $500 may be accepted (Full Doc & Alt Doc).
Mortgage arrears, discharged bankrupts, and impaired credit history considered under Near Prime or Specialist products.

Connective Solutions Backed by Pepper Money
For clients who want a tailored solution as they may not fit typical lending criteria.

Security
Upfront Valuation ordering through property Hub with AVM, Desktop, SMARTVal and Full Valuations.
Residential securities in categories 1 - 4 with a maximum land size of 25 acres (10 hectares). Up to 95% Full Doc and up to 90% Alt Doc.
Vacant Residential Land only in categories 1 and 2 with a maximum size of 5 acres (max loan size of $1,500,000 up to 75% LVR, AND max loan size of $1,000,000 up to 85%)
Construction – as per Vacant Land

Income
Full Doc up to 95% LVR and Alt Doc up to 90% LVR.
Single form Alt Doc income verification.
ABN accepted from 6 months
1 years Financials/Tax Returns for Self-employed
100% Overtime/Bonus/Commission income
Allowances
Car allowance
Workers Compensation/ Income protection
1-day PAYG employed
Government income/Pensions
Family Tax benefit – no age limit
Standard Rental income
Airbnb/Holiday rental income

Servicing
2% Servicing buffer across all products.
Ability to select 1% servicing buffer for eligible transactions
40 year loan terms
Company debts excluded in servicing where business trades profitability
100% depreciation added back
Once off expenses can be added back
Tax Debts can remain on payment plans and included in servicing
CDR Policy for spousal relationships
Negative gearing applied for Investment loans
No notional rent
No DTI

LVRs/Loan Limits
Up to 95% LVR for Full Doc
Up to 90% LVR for Alt Doc
Up to $5m loan size on single security
Max loan size of $3m when using accountants dec only (Alt Doc)
Vacant Land sole security up to 85% LVR
Full Doc Construction up to 95% LVR
Alt Doc Construction up to 85% LVR
Unlimited Cash out

Borrowers
Individuals, Trusts, Companies
Professional Investors
Applicants with Government income as sole source
Cash out for Business use
Unlimited debt consolidation
Clients with credit impairment
Short term Self-Employed

Conduct
No credit scoring
Unlimited defaults, judgements, writs
Payout Part IX or X Debt Agreements
1 day discharged bankrupt
Late Repayments on unsecured debts
Mortgage arrears
ATO/Tax Debt pay outs or remain on plan

Connective Advance Backed by Thinktank
For clients who want to purchase or refinance property for personal or business use.

Security
Rates are based on security purpose (not loan purpose).
Income
Mid Doc requires self-certified income supported by any ONE of the following:
• an Accountants’ letter, last 2 quarter BAS, or 6 months bank account statements
• Can consider under Mid Doc - last 1-year financials AND/OR 1-year tax return and notice of assessment (discount available with AND option).
Full Doc requires 2 payslips, group certificate or notice of assessment for PAYG or last 2 years financial statements ITR & financial statements for self-employed applicants (use most recent year in isolation for servicing).
Rent shaded by 20% includes all running costs and vacancies.
Servicing
No Rent Cap, no notional rent and no max DTI.
LVRs/Loan Limits
Can consider:
• Up to $2M single security at 80% LVR on houses and apartments in major metro areas.
• Up to $3.5M single security at 65% property in Melbourne, Sydney & Brisbane (Full Doc and Mid Doc)
• Up to $5M single security at 75% in Melbourne, Sydney & Brisbane, $4M in Perth & Adelaide.
Owner occupied and investment up to 30-years, 5-years interest only.
Borrowers
3-month ABN acceptable if 2-years of continuous industry experience/skillset can be provided.
No risk fee, no monthly fees, no annual or reoccurring fees.
Flexible cash out for any viable reason, including for business purpose or commercial debts (up to 80% LVR).
Refinance any debt that can be proven, i.e. business debts, ATO debts and private loans with unlimited debt consolidation.
Favourable purchases are considered with related party transactions.
Conduct
Paid defaults < $1000 accepted (Not sub-prime lender).
Minimum credit score 450.

Connective Bridge Backed by Bridgit
For clients who want a simple, flexible and accessible bridging loan to buy now, sell later.

Security
We take a first mortgage for both end-debt and no end-debt scenarios:
- Multiple security: Security taken over both incoming and outgoing property. Any existing mortgages will be refinanced and included in the initial loan amount.
- Single security: Security taken over outgoing property only.
Borrow 100% of the purchase price plus stamp duty, legal fees and fees associated with the settlement.
No shading of outgoing property value if there is a Contract of Sale in place.
Income
For no-end debt applications, income verification is not required.
Living expenses as per declaration and compared to HEM.
Servicing
No monthly repayments are required.
LVRs/Loan Limits
Up to 80% LVR.
Min loan amount $300K, max $10M.
Borrowers
Owner occupied and investment properties.
Cash out via bridging loan available for cosmetic improvements, financial consolidation and other purposes upon request.
Conduct
Bridging specialists, completely digital, instant workshopping and 24-hour approvals.
1-month statements for refinance loans if clear conduct on the credit report.
Direct access to experienced Credit Analyst completing full assessment - no auto decline.
Supporting documents are not required up front, assessment complete based on application details.
Conditional Approvals are issued without supporting documents upfront.

Connective Reverse Backed by Household Capital
For clients aged aged 60+ who want flexible reverse lending solutions.

Security
Minimum Valuation - $600,000
Primary Property type
- Freehold residential property up to5ha
- Strata title properties greater than50m2
Secondary property types
- Same parameters as primary
- Lease agreements no longer than12-months
- Borrowers must own and live in a principal place of residence
- Repayment trigger event if borrower permanently leaves primary residence

Income
Age Pension
PAYG income
Super annuationon investment income
Overseas pension
A reverse mortgage is NOT an asset lend
- We are required to undertake suitability assessment and consider future needs
- Need to ascertain borrower can maintain standard of living and core property expenses
- Contract requires rates, insurance and strata levies be maintained at all times

Servicing
Regular repayments are not required for the term of the loan
- Voluntary repayments can be made at any time
- Compounding interest charged on the loan, calculated daily and charged monthly
- ORIO 50 and 100 payments are deducted via direct debit

LVRs/Loan limits
LVRs are mandated by ASIC and are based on the age of the borrower and the value of the home
The maximum LVR is 20% at 60 years old. The LVR increases by 1% for each year – for example, at age 65 the LVR is 25%. The LVR is then applied to the valuation of the property to determine the maximum loan facility size.
The maximum LVR is set at the age of the youngest applicant.

Borrowers
Maximum of two borrowers per application
If property owned in joint names, both borrowers must apply
A Not on title borrower
- Must be over 60
- Must be in spousal or Defacto relationship
- Permitted cohabitant
- Lives in property but not party to the loan
- Occupancy protections do not apply
- Over 18 must sign acknowledgement of the loan

Conduct
NCCP prescribed
No negative equity guarantee
Client remains owner and we are first mortgagee
Legal advice required for all loans
Spot and refer option available
Dedicated BDM support

Commercial

Connective Complete Backed by Connective
For clients who want a tailored solution as they may not fit typical lending criteria.

Security
Retail Shops, Offices, Industrial Units, Factories, Warehouse & Workshop, Multiple residential on title, some specialised securities acceptable eg. boarding houses, childcare centres.
Solutions for properties located in Category 1 & 2 locations
No security revaluations required

Income
Full Doc and Alt Doc income verification options including lease doc.
Choice of four self-employed Alt Doc options in lieu of tax returns - Accountants declaration or 6 months BAS or 6 months business bank statements or 6 months director’s salary credits
Self-employed Full Doc verification with 1-year financials
PAYG full time, part time, casual and second job accepted
Bonuses, commission and overtime accepted
Rental income shaded between 80%-90% pending product and rental type and terms

Servicing
No annual reviews or security revaluations
Lease-doc option available
Have non genuine savings or funds to complete
2% servicing buffer
No clawback

LVRs/Loan Limits
No Lenders Mortgage Insurance
Minimum $100K loan size
Commercial up to $3M
Commercial LVR up to 80% LVR
Vacant land loans as additional or sole security
Loan terms up to 30 years on all products
Flexible cash out up to $1M using stated purpose, higher amounts with declaration and supporting information

Borrowers
Unregulated loans only
12-month ABN options with GST registration only as required
Complex lending structures including companies and trusts
For borrowers who do not have traditional bank documentation
Guarantees from directors only

Conduct
No Credit Scoring or CCR
Blemished credit history including ATO debts and defaults or other paid and unpaid defaults
Clearance of ATO debts available
Unlimited debt consolidation
Default accepted up to $3000. All accepted >/=24 months.
Various court actions accepted including dismissed, <$100,000 (paid or unpaid)
Various mortgage or unsecured debt arrears accepted up to 30 days.
Late payments on mortgages, other loans and credit cards
Discharged bankruptcy including Part IX and X debt agreements

Connective Advance Backed by Thinktank
Full, Mid & Lease Doc available using commercial property for purchase, refinance or equity release.

Security
Property types include office, retail, industrial, multi residential units & boarding houses.
Specialised securities – hostels and backpackers, childcare, fast food franchises, car yards, function centres, hotels, pubs and motels, car washes, and car parks.
Income
Full Doc: Assessed on most current year financials (2-years required).
Mid Doc: Self-certified income supported by BAS or bank statement or accountants' letter or 1-year financials/tax return (discount applies if both financial & tax return provided).
Quick Doc: Income self-certification only.
LVRs/Loan Limits
Max loan amount up to $8M, single security at 65% LVR (Full Doc and Commercial SMSF).
Max loan amount up to $7M, single security at 70% LVR (Full Doc and Commercial SMSF).
Max loan amount up to $3M, single security at 75% LVR (Full Doc, Mid Doc and Commercial SMSF).
Max loan amount up to $2M, single security at 80% LVR (Full Doc, Mid Doc and Commercial SMSF).
Up to 25-years and 30-years terms on request.
WALE vs Term: No reliance on WALE.
Borrowers
ABNs over 3-months can be considered (provided 2-years industry experience can be demonstrated) for Full Doc and Mid Doc.
Stated purpose cash out up to 80% LVR and tax debt considered.
Guarantees only required from the Directors of the borrower and/or income entities.
GST funding and 3-year top up loans available above standard LVR.
Flexible cash out to 80% LVR.
Conduct
No clawback.

Connective Solutions Backed by Pepper Money
For clients who want a flexible commercial lending solution.

Security
Commercial and Residential Securities for categories 1 -3
Vacant Industrial / Commercial Land (Hardstand)

Income
Full Doc and Alt Doc up to 80% LVR.
ABN min 24 months
Last 2 years tax returns and NOA or Financial Statements.
1 years Financials/Tax Returns for Self-employed
100% Overtime/Bonus/Commission income
Allowances
Car allowance
Standard Rental income
Airbnb/Holiday rental income

Servcing
Prime and Near Prime Full Doc and Alt Doc solutions
30 year loan terms with option of 5 years interest only and no rate loading applied to commercial solutions
Prime Alt Doc now only needs ONE form of income verification from either 6 months BAS OR 6 months business bank statements OR Accountant Letter
Dedicated BDM who will workshop the deal with you for credit submission
Apply via Mercury
1 year tax return verification for Near Prime Full doc
Flexible Cash Out options
Generous servicing calculator
Accountant’s letter accepted up to $3m

LVRs/Loan Limits
Up to 80% LVR for Full Doc and Alt Doc
Loans available up to $5m

Borrowers
Individuals, Trusts, Companies
Professional Investors
Applicants with Government income as sole source
Cash out for business use
Refinance tax debts & debt consolidation
Debt consolidation, ATO debt and historical credit events accepted

Conduct
No credit scoring
Unlimited defaults, judgements, writs
Payout Part IX or X Debt Agreements
1 day discharged bankrupt
Late repayments on unsecured debts
ATO/Tax Debt pay outs or remain on plan

Connective Horizon Backed by Brighten
Comprehensive range of products designed to meet diverse financial needs.

Security
Residential and commercial securities in Category 1 and Category 2 locations accepted.
Specialised securities considered on a case-by-case basis.
Income
Full Doc, Alt Doc, and No Doc income options available across different products.
Servicing
Competitive borrowing capacity, including:
• Existing debt assessed at 125% of actual repayment
• 2% assessment buffer
LVRs/Loan Limits
Up to 80% LVR, up to $3M for Full Doc and Alt Doc.
Up to 70% LVR, up to $3M for Lease Doc.
Up to 65% LVR for Vacant Land.
Borrowers
Individual, company, and trust borrowers purchasing, refinancing or equity releasing of residential and commercial securities.
Property developers for land banking or residual stock purposes.
Conduct
Paid defaults up to $500 acceptable under Full Doc, Alt Doc, and Lease Doc.
Credit impairment considered under Private Lending products.
Application assessed on Merits.

SMSF

Connective Complete Backed by Connective
For clients who want a tailored solution as they may not fit typical lending criteria.

Security
Houses, Unit, Townhouse, Rural Residential, Apartments Acceptable.
Retail Shops, Offices, Industrial Units, Factories, Warehouse & Workshop, Multiple residential on title, specialised securities acceptable.
Units and apartments consideration based on overall complex density
Solutions for properties located in Category 1 to 3 locations for Residential, Category 1 & 2 for Commercial.
Land with dwelling up to 25 acres in size

Income
Traditional fund only servicing or; Fund + Additional proposed member contributions servicing also accepted.
Additional proposed member contributions serviceability options supported by either full or alt doc income verification options.
Lump Sum or inconsistent contributions acceptable.
Choice of four self-employed Alt Doc options in lieu of tax returns - Accountants declaration or 6 months BAS or 6 months business bank statements or 6 months director’s salary credits.
Rental income shaded at 80%, 85% and 90% pending product and rental type and terms

Servicing
Fund only & Fund + Additional Member Contributions Servicing Options
Fully assessed pre-approvals available
Flexible liquidity requirement (from 3 months repayments)
No SMSF tax returns required (past rolling 12 months contributions to SMSF or prior managed fund accepted)
2% servicing buffer
Monthly, fortnightly or weekly repayment options (Interest only monthly only)

LVRs/Loan Limits
No Lenders Mortgage Insurance
Minimum $100K loan size
SMSF Residential up to $2M and SMSF Commercial up to $3M
SMSF Residential LVR up to 80% and SMSF Commercial up to 75 % LVR
Loan terms up to 30 years on all products
SMSF purchase or refinance (no redraw/cash out/offset facility)

Borrowers
Corporate trustees only
Maximum 6 SMSF members
1 Day SMSF & Bare Trust ABN registration
Pre-approval available for pending establishment of bare trust
For additional member contributions, minimum 24-month ABN for member’s business with GST registration only as required. Self-employed Full Doc verification with 1-year financials acceptable
For borrowers who do not have traditional bank documentation

Conduct
No Credit Scoring or CCR
Member defaults accepted up to $1000
Late payments accepted up to 7 days for both defaults and unsecured debt arrears.
Some minor credit impairment considered

Connective Elevate Backed by Bluestone
For clients who want an SMSF residential loan with a simple set up and ongoing support.

Security
High density postcodes accepted up to 80% LVR with no additional interest loading.
All category postcodes considered, subject to the overall scenario.
Income
Accept existing and newly established funds.
SMSF requires a net asset position of at least $200,000.
Requires nil liquidity in the fund after purchase/refinance.
Servicing
Residential SMSF – When servicing is met through rental income, historic contributions and income from acceptable liquid assets, no further external verification required. Including no personal assets, liabilities or personal account statements.
Servicing outside of fund available for proposed contributions including self-employed with no history of contributions.
Market leading 24-48 hour credit assessment from submission for all applications including SMSF and pre-approvals (fully assessed).
Fully integrated with ApplyOnline.
Streamlined application process when there is a history of concessional contributions.
Servicing outside of fund available including self-employed with no history of additional contributions.
Free upfront valuations up to $440 value - SMSF and Residential loans.
Focus on driving consistent value to brokers through education, consistently fast assessment and support with access to our industry leading SMSF lending expert.
LVRs/Loan Limits
Principal & Interest (P&I) and Interest Only (IO) terms up to 30 years.
Borrow up to $1.5M and up to 80% LVR.
Borrowers
Suited to corporate trustees with up to 6 SMSF members.
For purchases and refinances.

Connective Advance Backed by Thinktank
For SMSF, individual or business clients who are looking to invest in commercial property.

Security
Residential and commercial security options:
• Residential property types including houses and apartments.
• Commercial property types including office, retail, industrial properties, and boarding houses.
Income
Rapid Refinance available (reset loan term up to 30-years) - only SMSF Financials & Tax Returns required.
Mid Doc income verification available if group servicing is required.
Servicing
Projected concessional and non-concessional contributions used in servicing
• Simplified projected contributions policy – customer contribution declaration
LVRs/Loan Limits
Up to $5M on residential security.
Up to $8M on commercial security.
GST funding available above standard LVR.
Borrowers
SMSFs with related and unrelated parties as tenants (commercial only).
Tenants in Common structure for business real property.
In-specie transfers for business real property.
Unit trusts with SMSF unit holders.
Unique and specialised funding solutions.
Conduct
No liquidity or net asset requirements for commercial SMSF under $4M, and none for residential SMSF up to $5M.

Connective Solutions Backed by PepperMoney
For clients who want a flexible SMSF lending solution.

Security
Up to 90% LVR for residential securities for categories 1-4
Up to 75% LVR for commercial securities for categories 1 -3
Residential single title to 90% LVR

Income
Most recent 2 years financial statements evidencing SMSF income
Additional contributions accepted, PAYG and self-employed options

Servicing
Prime and Near Prime Full Doc and Alt Doc solutions
30 year loan terms with option of 5 years interest only and no rate loading applied
Dedicated BDM who will workshop the deal with you for credit submission
Apply via Mercury
Generous servicing calculator
Accountant’s letter accepted up to $3m

LVRs/Loan Limits
Up to 90% LVR Full Doc and 80% LVR Alt Doc for residential properties.
Up to 75% LVR for commercial properties.
Loans available up to $5m

Borrowers
Individuals, Trusts, Companies
Professional Investors
Applicants with Government income as sole source
Cash out for business use
Refinance tax debts & debt consolidation
Debt consolidation, ATO debt and historical credit events accepted

Conduct
No credit scoring
Unlimited defaults, judgements, writs
Payout Part IX or X Debt Agreements
1 day discharged bankrupt
Late repayments on unsecured debts
ATO/Tax Debt pay outs or remain on plan

Private Lending & Short Term

Connective Advance Backed by Thinktank
Competitive private lending and residual stock solutions.

Security
Security types include residential, commercial, or vacant land.
Residual stock funding for completed property development projects.
Income
Mid Doc - self-certified income supported by BAS, bank statements, accountant’s letter, or 1-year financials/tax return.
Quick Doc - Income Self-Certification Only.
Servicing
0.5x -1.25x ICR.
LVRs/Loan Limits
Max loan amounts up to $7.5M.
Up to 75% LVR.
Loan terms up to 3 years (Interest Only).
Borrowers
Available to individuals, companies, trusts, or partnerships.
Additional borrower eligibility criteria not specified.
Conduct
No clawbacks.

Connective Horizon Backed by Brighten
Comprehensive range of products designed to meet diverse financial needs.

Security
Residential and commercial securities in Category 1 and Category 2 locations accepted.
Vacant land accepted in Category 1 locations.
Income
No income documentation required.
Statement of position and exit strategy required.
Servicing
Assessment based on asset position and exit strategy.
LVRs/Loan Limits
Residential security:
• Up to 65% LVR, up to $5M.
• Up to 70% LVR, up to $2M.
Commercial security:
• Up to 60% LVR, up to $5M.
• Up to 65% LVR, up to $2M.
Vacant Land:
• Up to 65% LVR, up to $5M.
Borrowers
Company borrowers only.
Conduct
Credit impairment considered.