Connective SolutionsPlus is a broker conversion tool designed to provide mortgage brokers with an alternative loan solution, where your customer’s needs cannot be met (or easily met) by the first choice lender. Connective SolutionsPlus aims to ensure every opportunity is maximised, by turning a negative outcome into a positive customer experience – by turning a ‘No’ into a ‘Yes’ with Connective Solutions.

If your customer’s loan application has been declined, the application will automatically be processed through Connective SolutionsPlus, which will immediately determine eligibility for a Connective Solutions loan. Where a Connective Solutions loan option is available, an indicative offer for that customer will be provided to you, setting out an alternative Connective Solutions product, including indicative interest rate, fees and conditions (if any).

Once you submit your choice to opt in or out of the Connective SolutionsPlus program, you will receive a confirmation email confirming your decision with details.

For more information about Connective SolutionsPlus, please click here.

Yes. You will need to obtain necessary consent from your customers in connection with your participation in Connective SolutionsPlus. This includes providing your customer with a copy of your Credit Guide and privacy consent form for your customer to sign prior to submitting the initial loan application.

Loan information is sent and received by way of password encoded data transfers to Pepper Money. ​

Connective SolutionsPlus and Pepper Money apply strict data privacy and security protocols, such that all customer private data is purged immediately after use. No customer private data is stored or accessible at any time by Pepper Money. Your customers’ personal information is visible to you only. At no time is your customer's data stored or accessible by Pepper Money. Customer data is only made known to Pepper Money where you subsequently provide that data in a loan application to Connective Solutions.

Yes. Your customer’s loan application information is kept secure at all times. Loan information is sent and received by way of password encoded data transfers. Your customer’s personal information is visible and accessible to you only.

The Indicative Offer is provided directly to you, for discussion and assessment of suitability with your customer. View the recommended next steps in this article that you need to complete in order to meet your responsible lending and best interests duty requirements. If your customer wishes to proceed, you need to follow your normal loan application process, to clone the original application and submit to Connective Solutions – also attaching the Indicative Offer letter or Connective SolutionsPlus reference number.

The Indicative Offer can be presented as a viable, genuine alternative to your customer’s initial loan application. Remember, your customer may be sensitive to their initial application not proceeding. So, the Indicative Offer should be carefully positioned, with due consideration given to your customer’s particular circumstances.

Yes. Connective SolutionsPlus requests an Access Seeker Report from the Bureau to assist in determining whether there is a Connective Solutions loan product that is suitable for your customer’s situation. A copy of the Access Seeker Report will be provided to you as an attachment in the Indicative Offer email.

No. Your customer’s Bureau score will not be affected. A request is submitted for your customer’s credit information to the Bureau, using an ‘Access Seeker’ request. The Access Seeker leaves a ‘file access note’ on your customers’ file record, but not an ‘enquiry’. Therefore, it does not impact your customers’ credit score.

The file access note is visible to your customer, but not to other lenders, including Connective Solutions and Pepper Money. The file access note is visible to your customer, but not to other lenders, including

No. There is no cost to you for having Connective SolutionsPlus run the Bureau query.

There are a few reasons why an Indicative Offer may not be provided:

You will only be notified when a Connective Solutions loan product is available.

Yes. In order to ensure Connective Solutions offers your customers the best possible experience and a fast turnaround of their formal application, we request that you always submit a copy of the Indicative Offer or include the Connective SolutionsPlus ID when submitting a formal application.

Yes. Provided the application information sent to Connective Solutions is the same as that contained in the formal application, the loan product and interest rate will be honoured. If there is a material variance in the information provided, Connective Solutions will contact you to discuss the application.

No. You will still be required to submit the formal application to Connective Solutions per the standard process.

Your first contact point is your friendly Connective Home Loans BDM or please call 1800 184 260 for further information.