Elevate - Connective Home Loans

We are experts in home loans, residential investment property finance, refinancing and debt consolidation - catering to customers who might not meet mainstream lender’s borrowing criteria.
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We believe that home loans should be simple, personal and able to meet borrowers’ changing financial needs. That’s why we assess every application on its individual merits. We have a wide range of solutions to match your personal goals and circumstances.
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At Connective Elevate, we also prioritise the user experience, which is why we continue to create a fast, seamless and digital experience for you.

How can we help?

Fast turnaround time

Don’t miss out on your dream home. We review applications within two business days. The industry average is 4 weeks.

Highly flexible

We accept a variety of income sources to service your loan. For example, depending on the type of loan, self-employed borrowers can use tax returns, BAS or an accountant’s letter to verify your income.

No credit scoring

We assess each client’s situation on a case by case basis, and not relying on a credit score.

90% LVR, no LMI

We offer up to 90% LVR with no Lender’s Mortgage Insurance for our Prime product.

Loan Products

Prime

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A competitive home loan for borrowers with clear credit and strong employment history

Whether you are PAYG or self-employed, Prime offers you the flexibility you need at competitive interest rates. We accept a range of income types, and if you’re self-employed, you can verify your income through a number of options.

Full Doc Product Features

Up to 90% LVR with no Lenders Mortgage Insurance
No risk fees
Release up to $500,000 of equity
Consolidate up to $100,000 unsecured debt

Alt Doc Product Features

Self-employed verification via a customer declaration, PLUS one of either 6 months’ business bank statements, OR 6 months BAS, OR an accountant's letter
Release up to $200,000 of equity
Consolidate up to $100,000 unsecured debt

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee may apply.

Near Prime

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A simple home loan for clear credit borrowers who need a bit more flexibility

Near Prime is for people who are PAYG or self-employed with clear credit who need a bit more flexibility in their home loan product. If this sounds like you, Near Prime offers you more options for refinancing and simpler ways to prove your income and we can overlook small financial hiccups like a late electricity bill.

Full Doc Product Features

ABN registration from 12 months and 1 day GST registration
Judgements and defaults less than $2000 or greater than 24 months old ignored
Unlimited debt consolidation, including ATO debt and loans from private lenders

Alt Doc Product Features

ABN registration from 12 months and 1 day GST registration
Unlimited debt consolidation, including ATO debt and loans from private lenders
Prove self-employed income using a customer declaration PLUS one of either 6 months’ business bank statements or 6 months BAS, or an accountants letter

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee may apply.

Specialist

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A flexible home loan for borrowers who have had financial difficulties in the past

If you have some credit impairments on your record, our Specialist product may be able to help you get back on your feet financially with more extensive refinancing options and simplified documentation requirements.

Full Doc Product Features

Judgements and defaults less than $2000 or older than 12 months old ignored
Unlimited debt consolidation, including ATO debt and loans from private lenders
1 day discharged bankrupts accepted
Up to 2 months mortgage arrears in the past 6 months accepted

Alt Doc Product Features

Prove self-employed income using a customer declaration PLUS one of either 6 months’ business bank statements, OR 6 months BAS, or an accountants letter
Unlimited debt consolidation, including ATO debt and loans from private lenders
1 day discharged bankrupts accepted
Up to 2 months mortgage arrears in the past 6 months accepted

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee may apply.

Specialist+

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A straightforward home loan for borrowers who are recovering from financial difficulties

Specialist+ is a flexible home loan that might be right for you if you’ve been struggling to obtain finance because of previous credit issues, bankruptcy, or defaults.

Full Doc Product Features

Any defaults or judgements acceptable
Part IX and X debt agreements can be cleared (with good repayment history)
1 day discharged bankrupts accepted
Up to 3 months mortgage arrears in the past 6 months accepted

Alt Doc Product Features

Any defaults or judgements acceptable
Part IX and X debt agreements can be cleared (with good repayment history)
Prove self-employed income using a customer declaration PLUS one of either 6 months' business bank statements, OR 6 months' BAS, OR an accountant's letter‍
Up to 3 months mortgage arrears in the past 6 months accepted‍

Subject to credit assessment and lending criteria. Terms and conditions apply. Risk fee may apply.

SMSF Residential Loan

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Simple to set up, with SMSF compliance in mind and ongoing support for borrowers

With our Self-Managed Superannuation Fund (SMSF) Residential Loan, you'll benefit from a SMSF focused streamlined application process as well as ongoing support from a specialist lender with 15 years' SMSF lending experience.

Product Features

Borrow up to $1.5m
For purchases and refinances
Newly established and existing SMSF's eligible
Up to 80% LVR
Principal & Interest and Interest Only terms
Loan term of up to 30 years*
Up to 6 SMSF members
Split loans available
A streamlined application process when there is a history of concessional contributions
Applications replying on proposed future concessional contributions considered

* Interest only up to 5 years, then reverts to Principal & Interest repayments. Subject to credit assessmentand lending criteria. Terms and conditions apply.

Connective Elevate

2.99

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3.04

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How can we help?

Fast turnaround time

Highly flexible

No credit scoring

90% LVR, no LMI

Loan Products

Contact us today to find out more