Connective Solutions - funded by Pepper Money - is for clients who don’t fit the typical lender profile.

Sometimes getting the right home loan can be a challenge, especially if your clients have been knocked back by the banks, have a blemish on their credit report, are self-employed or don’t have up-to-date tax returns. Whatever their circumstances, Connective Solutions takes a personal approach to their home loan, commercial loan or SMSF borrowing requirements.

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Connective Solutions Customer Profile

Owner occupied, Investment, company and trust borrowers considered
Prime, Near Prime, Specialist & Specialist+
Seeking 100% offset & flexibility
Seeking quick decisions and fast turnaround times
Purchase, refinance or equity release of residential and commercial properties and SMSF investors
Seeking higher LVRs and unique offerings

Key Niches

Residential

  • No credit scoring or DTI assessment
  • 1% servicing buffer for applicable refinances, fixed rate loans and investment purchases
  • Full Doc up to 95% LVR and Alt Doc up to 90% LVR
  • Unlimited credit impairment and 1 day discharge bankrupts
  • Alt doc options including accountants’ letter up to $2.5m loan sizes
  • 6 months ABN borrowers accepted
  • Unlimited cash out including for business purpose
  • 95% LVR refinances and debt consolidation

Commercial

  • Loans available up to $5 million
  • Up to 80% LVR for both Full Doc and Alt Doc
  • Market leading SLA – Conditional approval issued within 3 days for loan sizes up to $1.5M or 5 days for loan sizes greater than $1.5M
  • Single income verification for Prime

  • Guarantees from Directors only

  • Refinance personal, business and tax debts

  • 100% offset sub accounts and loan splits
  • No clawbacks

SMSF

  • Residential and Commercial
  • Max loan amount up to $3 million
  • Up to 80% LVR for Residential security and 75% LVR for commercial security
  • Prime and Near Prime options available for Directors with credit impairment

  • No liquidity test

  • Redraw available (for SIS Act compliance purposes)

  • No clawbacks
See Full Niches Guide

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Residential Loan Products

Prime Residential

Residential lending solutions for PAYG, Self Employed, Company, and Trust customers.
Purchase, refinance of Owner Occupied or Investment properties

Full Doc Product Features

  • Up to 95% LVR available, no LMI for OO below 85% LVR
  • 30 year loan term
  • Debt consolidation up to 4 debts plus mortgage
  • 1% loading for investment purchases and debt consolidation
  • Unlimited cash out for personal and investment use
  • OFI mortgages service at actual plus .25% loading
  • No notional rent - if living rent free
  • Financial statements accepted in lieu of tax returns

Alt Doc Product Features

  • Up to 85% LVR for purchases, LPF/MRF is applicable above 70% LVR
  • 30 year loan term
  • Unlimited cash out for personal and investment use
  • 1 form of income verification
  • ABN for 24 months and GST for 12 months
  • Business debts excluded for self-employed
  • Trading and non-trading borrower accepted

Near Prime

Connective Solutions provides residential loans for clients who don't meet standard lending criteria

Full Doc Product Features

  • Unlimited cash out for acceptable purpose
  • 1 day discharged bankrupt part IX or part X accepted
  • Defaults under $3,000 ignored or more than 2 years old
  • Debt consolidation for unlimited number of debts
  • Refinance of personal business and tax debt
  • Short term employment considered
  • No age restrictions on FTB and child support
  • 40 year loan term available
  • 2 years financial statements accepted

Alt Doc Product Features

  • Accountants letter accepted up to $2,500,000
  • Unlimited cash out for acceptable purpose
  • 40 year loan term available
  • Defaults under $3,000 ignored or > 2 years old
  • Debt consolidation for unlimited number of debts, including tax debt
  • 1 form of income verification required
  • ABNs from 12 months considered (clear credit)

Near Prime Clear

Connective Solutions provides residential loans for clients who don't meet standard lending criteria, with slight blemishes

Full Doc Product Features

  • Payment of tax and business debts
  • Short term employment considered
  • 40 year loan terms available
  • No age restrictions on FTB
  • Defaults up to 1k considered
  • Late payments on unsecured debts with max RHI (1) across the last 3 months
  • 1 years financial statement accepted
  • Unlimited cash out for business or personal use

Alt Doc Product Features

  • Accountants letter accepted up to $2,500,000
  • 90% LVR available
  • Unlimited cash out for acceptable purpose
  • 40 year loan term available
  • Defaults under $1,000 ignored or > 2 years old
  • Debt consolidation for unlimited number of debts, including tax debt
  • 1 form of income verification required

Specialist and Specialist+

Connective Solutions provides residential loans for clients who have unique circumstances or have experienced a recent life event

Full Doc Product Features

  • Unlimited defaults, judgements and writs to $1000 ignored over 12 months (Specialist) and under 12 months (Specialist+)
  • 1 day discharged bankrupt part IX or part X accepted
  • Up to 1 month mortgage arrears (Specialist) unlimited within last 6 months (Specialist+)
  • All adverse RHI conduct considered
  • Unlimited cash out for acceptable purpose

Alt Doc Product Features

  • ABNs from 6 months considered
  • Unlimited defaults, judgements and writs to $1000 ignored over 12 months (Specialist) and under 12 months (Specialist+)
  • 1 day discharged bankrupt part IX or part X accepted
  • Up to 1 month mortgage arrears (Specialist) unlimited within last 6 months (Specialist+)
  • Jumbo loans up to $5,000,000 considered if clear credit
Get started

Commercial Loan Products

Prime

Purchase or refinance of Commercial properties.

Full Doc Product Features

  • 80% LVR available
  • Unlimited cash out
  • Debt consolidation up to 4 debts
  • 30 year term P&I or IO ( 5 year max)
  • Financial statements accepted in lieu of tax returns

Alt Doc Product Features

  • 80% LVR available
  • Unlimited cash out
  • Debt consolidation up to 4 debts
  • 1 form of income verification
  • ABN for 24 months AND GST for 12 months or stat dec plus BAS or BBS or accountants letter
  • 30 year term P&I or IO ( 5 year max)

Near Prime

Purchase and refinance of Commercial properties for clients who don't meet standard lending criteria.

Full Doc Product Features

  • Max loan size $3,000,000
  • Unlimited debt consolidation
  • Unlimited defaults, judgements and writs to $1000 ignored or over 24 months
  • Discharge from bankruptcover 24 months accepted
  • Non-mortgage arrears considered
  • 1 years financials accepted

Alt Doc Product Features

  • Max loan size $3,000,000
  • Unlimited debt consolidation
  • Unlimited defaults, judgements and writs to $1000 ignored or over 24 months
  • Discharge from bankruptcover 24 months accepted
  • Non-mortgage arrears considered
  • 1 form of income verification
Get started

SMSF Loan Products

Prime

Available to Corporate Trustees, with an existing complying SMSF or are in the process of establishing an SMSF, and wish to:
- Purchase a property for investment purposes (third party tenancy) or owner-occupied purposes (associated trading business)
- Refinance a current SMSF Loan

Full Doc Product Features

  • Residential and Commercial securities
  • Loans from $100,000 to $3,000,000
  • Up to 30-year loan terms
  • Up to 5 years Interest Only
  • Up to 80% LVR for Residential and up to 75% LVR for Commercial
  • Redraw available
  • No clawback for early payout
  • No liquidity test
  • Digital submission via ApplyOnline
  • 1 day SLA for digital applications

Near Prime

Available to Corporate Trustees, with an existing complying SMSF or are in the process of establishing an SMSF, and wish to:
- Purchase a property for investment purposes (third party tenancy) or owner-occupied purposes (associated trading business)
- Refinance a current SMSF Loan

Full Doc Product Features

  • All features apply as per Prime SMSF with the addition of:
  • Defaults under $1,000 ignored or > 2 years old
  • Up to 3 months non-mortgage arrears(within the last 3 months)
  • Discharged from bankruptcy (> 24 months) accepted
Get started

Resources for your clients:

Connective Solutions - Suitability Guide

Resources for you:

Connective Solutions - Product Guide
Connective Solutions - Quick  Guide

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