Connective Essentials

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.

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Call your BDM or email us at info@connectivehomeloans.com.au and we will be in touch within 2 hours.

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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

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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

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