While some lenders have pulled back or paused lending to company and trust borrowers, Connective Lending continues to support this market with flexible, practical solutions across a wide range of products.
We’re here to help you keep your clients moving, especially those impacted by recent changes at other lenders.
These are the policy strengths that continue to set our solutions apart, especially while the broader market tightens.
Scenario: A Pty Ltd borrower wanted to purchase an investment property and exclude business debts from servicing. The borrower also had multiple self-sufficient entities.
Issue: Many lenders require all company liabilities to be included in servicing, which created DTI and buffer issues.
Outcome: Connective Lending’s range of company and trust options allowed the deal to be assessed appropriately, with only relevant liabilities included.
Possible funders: Connective Solutions, Connective Complete, Connective Advance, Connective Elevate, Connective Horizon
Scenario: A newly formed trust wanted to release equity from an investment property to support their new business.
Issue: Traditional lenders required full financials for the new business, which were not available due to the recent restructure.
Outcome: The borrower’s long-term industry experience and the ability to provide alternative income documentation allowed the deal to proceed.
Possible funders: Connective Solutions Connective Complete, Connective Advance, Connective Elevate, Connective Horizon
Scenario: An Australian expat wanted to purchase an investment property through a non-trading company.
Issue: Major lenders declined due to foreign income, currency considerations and the added complexity of the company structure.
Outcome: Lenders with expat and entity capability were able to verify overseas income and accept the company structure.
Possible funders: Connective Elevate, Connective Horizon
Scenario: A trust needed short-term funding between the sale of one investment property and the purchase of another.
Issue: Many lenders do not offer bridging solutions to trusts, and full financials were not available at the time of application.
Outcome: Fast assessment, acceptance of the trust structure and streamlined documentation supported a timely settlement.
Possible funders: Connective Bridge, Connective Horizon
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