Fixed rates from 5.89% p.a.

Our fixed rates are very competitive right now, for example:

• Our 3-year fixed rate¹ for owner occupiers with an LVR up to and including 80% is currently 5.89% p.a. (Comparison 6.13% p.a.²).

We also have some great rates for home loans in LMI territory, for example:

• Our 3-year fixed rate¹ for owner occupiers with an LVR above 80% and up to 90% is currently 6.19% p.a. (Comparison 6.97% p.a.).

Quick LMI approvals with QBE

We have a ‘delegated underwriting authority’ to approve LMI cover through QBE on applications that comply with the standard credit assessment and approval standards.

This gives us the ability to provide a simpler and faster experience to eligible customers.

Did you know? When assessing an application for a fixed rate loan, we apply the servicing buffer to the fixed rate instead of the variable – get in touch with your CHL BDM to learn more!

Fast turnaround times

Get a quick result with our turnaround times still at one business day for new applications, variations and supporting docs.

Want to know more?
If you have any questions or would like to discuss a customer’s scenario, don’t hesitate to contact your CHL Business Development Manager or book a meeting here.

All applications are subject to normal credit approval criteria. Full terms, conditions and schedule of fees are set out in the relevant loan contracts. Fees, charges and government taxes may be payable. Fees and charges may be varied or introduced in the future.

Important information

Interest rates, fees and charges are subject to change. Fees and charges apply to all Advantedge products. Refer to the Fees and Charges Booklet on your aggregator’s software for full details. Fees and charges are current and may be introduced or varied in accordance with loan terms.

Connective Essentials products are funded by the Advantedge Residential Loan program. AFSH Nominees Pty Ltd (AFSH) ACN 143 937 437 Australian Credit Licence 391192 is the program lender and Advantedge Financial Services Pty Ltd (Advantedge) ACN 130 012 930 Australian Credit Licence 391202 is the program loan servicer. The program is funded under arrangements with National Australia Bank Limited (NAB). Each of AFSH and Advantedge are members of the NAB Group. NAB does not guarantee the obligations of its subsidiaries. Connective Essentials products are promoted by Connective Credit Services Pty Ltd trading as Connective Home Loans ACN 143 651 496. Australian Credit Licence 389 328.

¹ Fixed rate loans may be subject to significant break costs. Interest rates, fees and charges are subject to change. Fees and charges apply to all Connective Essentials products. Refer to the Fees and Charges Booklet on your aggregator’s software for full details. Fees and charges are current and may be introduced or varied in accordance with loan terms.

² Comparison rates are based on a secured loan of $150,000 over a term of 25 years.

WARNING:This comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

For Broker and Advantedge distribution team use only. Information, rates and offers are correct as at Wednesday 1 May 2024 and are subject to change.

Fees and charges apply to Connective Essentials products. Interest rates, fees and charges are subject to change. Terms and Conditions apply to all Connective Essentials products and are available on request. Lending criteria apply.