Connective Home Loans Select - Loans that put you in control.

Designed to shift with your changing needs and circumstances, CHL Select loans are as varied as the dreams they bring to life.
From first home buyers, renovators and those looking to refinance, through to new home builders and investors, CHL Select home loans have helped all kinds of Australians get into the home they want. And our supportive customer service team has been there all the way.

A home loan that
puts you in control

Wondering if CHL Select is right for you?

Being new to the home buying world, you might like the comfort of fixed repayments, so our CHL Select fixed loan may be for you. Or you may want the option to increase your loan amount without paying extra fees, making the CHL Select variable loan more your style.

Construction is completed in stages. Our CHL Select Construction loan works in stages too. Rather than settling your loan for the entire cost when building starts (and paying unnecessary interest), payments are made to your builder as work is completed.

Would you like to consolidate your debts to make managing what you owe easier? Or pay off your home sooner with a more user-friendly loan? Perhaps you’re finally ready to turn that ‘renovator’s delight’ into the head turner it deserves to be. Whatever your refinancing needs, CHL Select will get you there.

A CHL Select bridging loan takes the stress out of buying a new home before you sell. It requires no repayments for up to 6 months (when buying an existing home) or up to 12 months (when building a new home.) And it’s suitable for owner occupiers and investors. So if you’ve found your new home, but still have your old one, CHL Select is the key to moving on.

Term Loan

  • Variable or fixed rate
  • Can split loan to part fixed
  • Extra repayments welcome* and free online banking redraw available
  • No ongoing monthly or annual admin fee
  • Free redraw
  • Debt consolidation
  • Construction
  • Bridging finance
  • Longer loan term.

Find out more

100% Offset Home Loan

  • Fully transactional including ATM, eftpos, Bank@Post, BPAY® and AnyPay
  • 100% offset available on fixed rates
  • Refix at no cost at end of fixed term
  • Extra repayments welcome on variable and fixed*
  • Available for both construction and bridging finance loans
  • Package available to fast track your debt reduction including offset account.

Find out more

Bridging Finance

  • Loans at our advertised rates (no rate loading) including fixed rates
  • A 100% offset facility that can help save on interest while reducing your debt quicker
  • Loan servicing capability based on the debt you have once your home is sold**
  • No repayments required while your existing home is on sale***
  • 2nd mortgage options available on property to be sold.

Find out more

Interested in taking this information away?
Download the Introduction flyer.

*Additional repayments on fixed rate of up to $20,000 p.a. without penalty. **Loan to valuation ratio (LVR) must not exceed 80% for end debt servicing to apply. ***Bridging period up to 6 months for existing homes or up to 12 months for construction. Not available for no-end-debt lending. Loan amounts used in illustration scenario are for demonstration purposes only and are approximate figures.

Connective Home Loans Select products are funded and serviced by Adelaide Bank a division of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178. Australian Credit Licence 237879