Connective Select

Don't miss market-leading Fixed Rates!

We have been advised that there will be a small increase to Owner Occupied fixed rates on 17 December 2024, so act now to lock in the current market-leading fixed rates from 5.64% p.a., with LVRs up to 95%:

5.64% p.a. for 2-year
5.94% p.a. for 1-year

‍
Rate lock process with Connective Select:‍

Applications submitted prior to 17 December 2024 and approved before the effective date will have the current fixed rates applied.
Applications submitted prior to 17 December 2024 will need to be formally approved by 10 January 2025* (extended rate lock period) to be contracted with the current rates.
Applications submitted from 17 December 2024 will have the new fixed rates applied.

View new rates effective 17 December 2024

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

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.

Book a 15-min call Email us

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

Get started

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

Flexible

Can split loan to part fixed
Refix at no cost at end of fixed term
Extra repayments welcome on both fixed and variable loans
Free electronic redraw available on both fixed rate and variable loans

Extras

VISA debit card available
No annual package fee
Available for construction loans
$20k additional payments p.a. against fixed rate loans

Get started

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

Don't miss market-leading Fixed Rates!

Jump straight to resources for you and your clients

Connective Select Customer Profile

Key Niches

I have a scenario to workshop

Loan Products

Connective Select Term Loan

Competitive

Flexible

Extras

Connective Select 100% Offset Home Loan

Competitive

Flexible

Extras

Resources for your clients:

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Additional Resources

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