One brand. Five funders.

About Connective Home Loans

Connective members have exclusive access to Connective Home Loans for their clients. Connective Home Loans (CHL) provides white label loan products exclusively for Connective brokers through our wholesale funders Advantedge, Adelaide Bank, Bluestone Pepper, and ThinkTank. The portfolio offers a comprehensive and competitive loan option for every kind of customer – residential, investor, near-prime and credit impaired, commercial and SMSF – which helps create a point of difference for your business.

As well as giving you competitive products that are not available through a bank or retail outlet, Connective Home Loans enable you to provide a full life of loan relationship, and deliver exceptional customer service.

Why you should choose Connective Home Loans

Connective Home Loans is a complete product portfolio, backed by five funders which provides you:

A full lending solution, regardless of borrower need
Exclusive products
Market leading rates
Top tier commissions
Local CHL BDM support and a dedicated National Credit Team
Opportunity to build client advocacy and referrals
Control over your client relationships
A seamless experience for your customers.

Did you know...

The Connective Home Loans portfolio at a glance

Connective Essentials funded by Advantedge Pre-approvals fully assessed (valid for 90 days) Evidence of unsecured debts not being refinanced are not required No transaction statements required Companies and unit trusts acceptable Complex financials are a specialty Land-only is acceptable and no timeframe on subsequent build $250,000 cash out <80% without documentary evidence Probation acceptance is 1 day employment for full time and part time applicants Fast refinance with MSA and digital documents No ongoing fees	Connective Select funded by Adelaide Bank Trading companies and trusts accepted as borrowers 100% offset against fixed rate and variable loans ($10 per month) Basic product available with no offset and no monthly fee No fixed rate lock fee Bridging including bridging construction, assessed on end debt Interest only and fixed rates available with construction loans (including bridging) Up to 4 units on title for construction is acceptable Vacant land up to 90% and cash out available for purposes other than construction Visa debit card option Market leading online banking platform
Connective Solutions funded by Pepper Money All applications fully assessed and no credit scoring, including: Business loan refinances Cash out for business use acceptable Refinance of ATO debt Unlimited unsecured debt consolidation including late payments 100% offset available 85% prime Full Doc owner occupier – no LMI 95% LVR owner occupier and investment full doc loans OFI debts at actual repayments including interest-only loans No age restriction on family payments Overtime 100%; Bonus 100%; Commission 100% Unlimited cash out up to 80% Investment loans can have 100% reliance on rental income for servicing, stand alone Exist strategy is only required if any of the applicants are ≥50 years of age Company and trust borrowings acceptable except for testamentary trusts No genuine savings required on prime sub 90% including fees.	Connective Advance funded by Thinktank Lending for commercial and residential real estate: Full Doc Mid Doc (BAS statements, trading statements or accountants’ letter) Quick Doc (self-certified) SMSF available for both commercial and residential investment (full doc) Up to 75% LVR Specialised securities considered (boarding houses, serviced apartments and childcare centres) 30 year loan term with no ongoing reviews of credit or security value (set and forget) Individuals, trading companies and trusts accepted as borrowers No ongoing fees and additional repayments accepted with no penalty.
ConnectiveElevate funded by Bluestone Connective Elevate offers a wide range of competitive home loan options, from prime through to specialist to match your clients’ personal goals and circumstances. Fast turnaround times Market leading rates Policy niches to help assist more clients Credit assessments that don’t rely on system-based scoring. No risk fees up to 90% LVR Consolidate up to $100,000 of unsecured debt including business debt cash out or line of credit up to $500,000 Alt doc no risk fee to 85% 24 months ABN 2 BAS and 6 months BBS Loans up to $2,500,000

About our funders

Connective Select by Bendigo and Adelaide Bank Ltd

Australia's 5th largest retail bank
Long history - white label partnering since 1992
Major investments in technology and staff
Committed to strengthening and growing the program

Find out more about Connective Select.

Connective Essentials by Advantedge

Advantedge builds on partnerships to achieve mutually beneficial outcomes for brokers
Leading white label provider with a proven model that’s built for brokers.
Experienced and knowledgeable BDMs, and credit teams that are supportive and build relationships that matter
No channel conflict, brokers own the client relationship.

Find out more about Connective Essentials.

Connective Solutions by Pepper

Established in 2000, Pepper is a lender, advisor and asset manager operating in targeted market segments globally
Focused on specialist residential mortgages
1700 employees across Australia, Asia and Europe
Australia's Best Specialist Lender (2013 - 2018 Australian Lending Awards)
Australia's Best Self Employed Lender (2015 & 2016 Australian Lending Awards)
Australia's Best Non Bank Lender (2018 MPA Brokers on Non-Banks; 2018 Australian Lending Awards, 2017 Australian Mortgage Awards)

Find out more about Connective Solutions.

Connective Advance by Thinktank

Established in 2006
Leading independent specialist in providing commercial property finance
Up to $3 million per property security
Thinktank is committed to offering brokers unrivalled expertise in deal structuring
Creates cash flow solutions for self employed and SME’s
Supports brokers and their customers by allowing them to focus on what they do best

Find out more about Connective Advance.

Connective Elevate by Elevate

Established in 2000
Manage over A$11bn in home loans for our Australian and New Zealand customers and have helped over 51,000 Aussies and 13,000 Kiwis with home loans that fit a wide range of circumstances.
Bluestone helps people with a variety of financial needs, whether they are looking to refinance, purchase homes or invest in residential property.
Popular not only with PAYG borrowers, but also self-employed borrowers who require alternative ways to prove their income, and residential property investors with complicated income streams.

Broker Support

Connective Home Loans has invested in resources to ensure you are fully supported to deliver an exceptional experience and outcomes for your clients. Our national team of dedicated Connective Home Loans BDMs are ready to help you. Contact your local BDM here.

Get accredited today

Getting accredited is easy. Simply visit the Accreditation App in Mercury Nexus to get underway today. If you would like help with working Connective Home Loans into your client offering, please talk to your local Partnership Manager, or visit this page.

Need more information?

For more information, contact your local Connective Home Loans BDM here.

Connective Elevate

Connective Essentials and Connective Select comparison matrix

Connective Home Loans at Digital Lender Splendour

Connective Home Loans Essentials by Advantedge Variation form

Commissions Guide: CHL Advance (by Thinktank)