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Connective Select
Updated over a month ago
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Connective Select - backed by Adelaide Bank - offers clients a comprehensive, flexible, fully featured package with 100% offset.

This product suits clients who want a premium home loan with broad features.

Customer profile:

  • Owner occupied borrowers

  • Clients looking to fast track their debt reduction

  • Seeking 100% offset & flexibility

  • Good credit history

  • First home buyers, investors, renovators, new home builders, planning to refinance

Key features:

  • Flexible

  • Fully featured package

  • 100% offset

Connective Select Overview

Term Loan

100% Offset Home Loan

Bridging Finance (available for existing clients)

  • 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

  • No minimum or maximum redraw amount on fixed rate or variable loans

  • Debt consolidation

  • Construction

  • Bridging finance (available for existing clients)

  • Longer loan term

  • Fully transactional including ATM, eftpos, Bank@Post, BPAY® and AnyPay

  • VISA debit card available

  • 100% offset available on fixed and variable loans

  • Refix at no cost at end of fixed term

  • Extra repayments welcome on variable and fixed*

  • Available for both construction and bridging finance loans

  • 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

Access Fact sheets on each of these products in Mercury Nexus > Research App > Connective Select > Documents

*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.

Rate card

View the latest rate card in the Research app in Mercury Nexus.

Accreditation and Support

Visit the Services tab in Mercury to get started today. You'll then complete training via a webinar or face-to-face meeting with your BDM. Once accredited, you'll receive a 'welcome' email containing:

  • Broker code

  • Submission tips (support document check-list)

  • Docusend access

  • Upfront valuation hub

  • Broker support directory

If you'd like assistance getting started, get in contact with your local Connective Home Loans BDM here.

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