Connective Select

Connective Select - funded by Adelaide Bank - offers clients a comprehensive, flexible, fully featured package with 100% offset.

From first home buyers, renovators and those looking to refinance, through to new home builders and investors, Connective Select can help your clients get into the home they want.

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Connective Select Customer Profile

Owner occupied borrowers

Minimising interest paid over the loan term

Seeking 100% offset & flexibility

Good credit history

First home buyers, investors, renovators

New home builders, planning to refinance

Key Niches

1 Year’s financials for self-employed applications that do not require LMI.
Self-employed - net profits used.
100% offset available against fixed rates.
Fixed rate is locked in once formally approved - no rate lock fee
Up to 10 units on title for established dwellings. Max 65% LVR for 4+ units or dwellings on 1 title.

Up to 90% LVR on construction loans – max 3 units on 1 title.
Non-residents accepted when joint applicants with AU residency.
Joint debt – 100% debt and 100% rental.
Rental income - reduced rental shading to 10%
No annual fees

See Full Niches Guide

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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 Select Term Loan

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 loan delivers on all counts.

Competitive

Variable or fixed rate
Extra repayments welcome and free online banking redraw available
No ongoing monthly or annual admin fee
Debt consolidation
Construction
Bridging finance (available for new and existing clients reach out to your CHL BDM for criteria)

Flexible

Can split loan to part fixed
No minimum or maximum redraw amount on fixed rate or variable loans

Extras

Free redraw
Fully transactional account with options including ATM, eftpos, Bank@Post, BPAY® and AnyPay
No annual package fee
$20k additional payments p.a

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Connective Select 100% Offset Home Loan

Competitive

100% offset available on fixed rate and variable loans
Fully transactional account with options including ATM, eftpos, Bank@Post, BPAY® and AnyPay
No ongoing monthly or annual admin fee
No minimum or maximum redraw amount on fixed rate or variable loans