Connective Elevate

Connective Elevate Customer Profile

Owner occupied, Investment, company and trust borrowers considered

Prime, Near Prime, Specialist & Specialist+

Seeking 100% offset

Diverse credit histories considered

First home buyers, investors, renovators

SMSF, purchases and refinance

Key Niches

No credit scoring, no CCR, no DTI
85% LVR, no risk fee for prime Full Doc or LMI for Prime OO and Investor. Metro - Brisbane, Sydney and Melbourne (check suburb locator)
100% offset account - Personal, Company & Trust names - No Annual fee

One form of income verification on Prime alt doc
Airbnb & Holiday Rental income is accepted

See Full Niches Guide

Loan Products

Prime

A competitive home loan for borrowers with clear credit and strong employment history. Whether your clients are PAYG or self-employed, Prime offers the flexibility your clients need at competitive interest rates. We accept a range of income types, and for self-employed clients, they can verify their income through a number of options.

Full Doc Product Features

2 years ABN required
Judgements & defaults less than $500 paid accepted
Unlimited debt consolidation available on all products, including business debts (ATO Tax Debt not available in Prime)
Unlimited cash out on all products - evidence of purpose required over $200k or where 50% of valuation exceeded

Alt Doc Product Features

2 years ABN required
Verified self-employed income using one of the following, 6 months’ business bank statements, BAS or Connective Elevate accountants dec
Unlimited cash out on all products - evidence of purpose required over $200k or where 50% of valuation exceeded

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee may apply.

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Near Prime

A flexible home loan for borrowers who have had financial difficulties in the past.
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If your clients have some credit impairments on their record, our Specialist product may be able to help them get back on their feet financially with more extensive refinancing options and simplified documentation requirements.

Full Doc Product Features

Judgements & defaults <$2000 or >24 months ignored
One years financials for self-employed
12 months ABN, 1 day GST
Unlimited debt consolidation including ATO debt and private loans
Unlimited cash out on all products - evidence of purpose required over $200k or where 50% of valuation exceeded

Alt Doc Product Features

12 months ABN, 1 day GST
Verified self-employed income using one of the following, 6 months’ business bank statements, BAS or Connective Elevate accountants dec
Unlimited cash out on all products - evidence of purpose required over $200k or where 50% of valuation exceeded

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Specialist & Specialist+

A straightforward home loan for borrowers who are recovering from financial difficulties.
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Specialist & Specialist+ is a flexible home loan that might be right for your clients if they have been struggling to obtain finance because of previous credit issues, bankruptcy, or defaults.

Employment from 3 months
Judgements & defaults <$2000 or > 12 months ignored (Specialist)
Judgements & defaults of any amount ignored (Specialist+)
Part IX and X debt agreements can be cleared (with good repayment history)
Verified self-employed income using one of the following, 6 months’ business bank statements, BAS or Connective Elevate accountants dec
Conduct on non-mortgage facilities ignored with reasonable explanation
Unlimited cash out on all products - evidence of purpose required over $200k or where 50% of valuation exceeded ($200k max >80% LVR on Specialist and Specialist Plus)

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SMSF

A loan that is simple to set up, with Self-Managed Superannuation Fund (SMSF) compliance in mind and ongoing support for borrowers.

Borrow up to $1.5m
Residential properties only
Suited to corporate trustees
For new purchases and refinances
Up to 80% LVR
Principal & Interest and Interest only terms
Loan term of up to 30 years
Up to 6 SMSF members per loan
Split loans available

* Interest only up to 5 years, then reverts to Principal & Interest repayments.

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