Connective Essentials, funded by Advantedge (part of the NAB group), offers clients a simple, quality home loan with only the essentials.

From first home buyers, renovators and those looking to refinance through to new home builders and investors. Connective Essentials has all of the features your clients need to develop their plans for the future, without paying for the ones they don’t want. And highly competitive rates is the cherry on top!

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Connective Essentials Customer Profile

Owner occupied borrowers
Minimising interest paid over the loan term
Seeking no-frills simplicity and flexibility
Good credit history
First home buyers, purchasers, investors, renovators
New home builders, planning to refinance

Key Niches

  • Statements not required for debts not being refinanced
  • No annual or ongoing fees, and no construction progress payment fees
  • Bank statements not required
  • Unlimited cash out for acceptable stated purpose for non LMI deals
  • Property sizes considered to 240 acres up to 80% LVR and 120 acres for LMI up to 90% LVR (Residential use only)
  • Multiple options for the self-employed, including Director's Wage Policy
  • Reduced rental income shading at 10% + expenses
  • Market leading parental leave policy
  • Access to the Preferred Lenders Portal.
See Full Niches Guide

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Loan Products

Connective Essentials Variable Rate Product

This easy to use, simple home loan with redraw has everything a property investor needs and nothing they don’t. Whether you’re new to investing or a seasoned purchaser, this product delivers on all counts.

Competitive

  • Variable interest rate offers your clients greater flexibility
  • No annual or monthly ongoing fees, and no
    construction progress payment fees

Flexible

  • Principal and Interest or Interest Only repayment options to fit your financial plans
  • Monthly, fortnightly or weekly repayment frequency options to suit your cash flow
  • 25- or 30-year loan terms for a repayment period that’s right for your clients
  • Redraw available by multiple methods
  • Split loan up to 16 times
  • Additional repayments at no cost lets your clients repay their mortgage sooner

Extras

  • Available to your clients whether they’re buying land, building or both
Get started

Connective Essentials Fixed Rate Product

This easy-to-use, simple home loan with everything a property investor needs and nothing they don’t, with the exception of a redraw facility. Whether you’re new to investing or a seasoned purchaser, this fixed-rate product delivers on all counts.

Competitive

  • Fixed interest rate offers your clients greater peace of mind
  • No monthly ongoing fees

Extras

  • Flexible repayment options – weekly, fortnightly or monthly
  • Fixed rate not available for land only

Flexible

  • Certainty of knowing what repayments are during the fixed rate term
  • Choice of 1 to 5 year fixed rate terms to fit long and short-term plans
  • Principal and Interest or Interest Only repayment options² to suit your client situation
  • Lock Rate option for added rate protection while your client arrange their loan
  • Flexible repayment options – weekly, fortnightly or monthly⁴
  • Split loan up to 16 times
Get started

Resources for your clients:

Connective Essentials - Client brochure

Resources for you:

Connective Essentials - Benefits for clients
Product Policy Niches

Additional Resources

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

Contact

Head office, Level 29
555 Collins Street, Melbourne VIC 3000
P 1300 65 66 37 F (03) 8399 8599  
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Connective Broker Services Pty Ltd ACN 161 731 111 CRN 437202 Authorised under Australian Credit License Number 389328