Connective Bridge, funded by Bridgit, offers clients simple, flexible and accessible bridging loans to help homeowners buy now, sell later.

Provide clients the flexibility to buy now and sell later by using the property equity built up in their home. Our bridging finance solution helps all types of homeowners unlock their equity for owner-occupied or investment property purposes. Connective Bridge can also be used for alternate reasons, including an equity release before selling, cosmetic improvements, and financial consolidation.

View on demand: Connective Bridge Webinar

Catch up on the Connective Bridge introduction webinar below to learn about the product, hear the various client types you can help with Connective Bridge, how to get started, and the benefits to you and your clients.
This session is worth .5 CPD point.

Watch now

Why you’ll love Connective Bridge

24-hour conditional approval
Don’t let your client miss an opportunity to buy their dream home.
Fair commission on initial loan amount
Paid upfront 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.

Clients you can help with Connective Bridge

Upsizers
Growing families seeking a seamless move to a larger home.
Delayed Settlement
Clients who experience delayed settlements on a sale, but don’t want to miss out on a new purchase.
Downsizers
Asset-rich clients using equity for greater flexibility in their next move.
Investors
Clients utilising their investment portfolio for a purchase, or optimising purchase and sale timing (including tax benefits).
Retirees
Clients purchasing property for their next life stage (e.g. community homes, land lease homes, and retirement villages).
Equity Release
Funds for minor home improvements or financial consolidation before selling.

Benefits for your clients

No monthly repayments – pay when they’re ready
Unlock property equity quickly
Freedom to jump on market opportunities
Avoid the need for temporary living arrangements
Provides more flexibility and time to make their move
Allows more time to sell their home

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.

Our Simple Process

1
Instant scenario workshopping via your BDM.
2
5-10 minute application submission via the broker portal. No supporting documents are required upfront.
3
24-hours to conditional approval (7hr SLA for broker) and supporting document verification.
4
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.
5
Settlement in as little as a few days, prioritised as required based on customer timeline.
6
Refinance end debt to a CHL solution.

Loan Product

Connective Bridge Bridging Loan Product

  • Loan Term: No minimum; maximum of 12 months
  • Loan amount: Minimum $300k; maximum $8m
  • Repayments: No monthly repayments, clients can simply repay when they are ready
  • LVR: LVR up to 80%, 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 initial loan amount. No clawbacks.

Additional Resources

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

Other Information

^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.