Clients need more financial breathing room? Here’s how Connective Solutions can help.

When household budgets are under pressure, even small changes to a home loan can make a meaningful difference.

Many of your clients are looking for ways to improve cash flow, simplify their finances or regain control of their repayments. Whether they're managing rising expenses, consolidating debt or rebuilding after past credit challenges, having more lending options can help you deliver a solution that fits their circumstances.

Cashflow help

For clients looking to improve cash flow, there are flexible refinancing and debt consolidation options that can combine multiple debts into a single repayment. Eligible borrowers may also benefit from loan terms of up to 40 years, with up to five years interest only, helping to reduce monthly commitments when appropriate.

• No LPF up to 90% LVR on select Prime Full Doc options. Ends 12 Nov 2026^*
• No LPF up to 80% LVR on select Prime Alt Doc options
• Loan terms up to 40 years
• Interest only, maximum 5 years
• Flexible refinancing and debt consolidation, including tax, business, private and solicitor debt
• More options for servicing, with a 1% buffer in select scenarios.

Income types

Connective Solutions caters to a broad range of income types, including PAYG employees, casual workers, clients with multiple jobs and those receiving commission, bonuses or overtime. Other income sources, such as Family Tax Benefit, child support, workers compensation and income protection payments, may also be considered.

• PAYG income, including full-time, part-time, casual and second jobs
• Additional earnings, including commission, bonuses and overtime
• Other income, including Family Tax Benefit, child support (no age limit), workers compensation and income protection.

Credit history

Clients with less-than-perfect credit histories may still have pathways available. Connective Solutions can consider scenarios including:

• Discharged bankruptcy,from 1 day
• Defaults (paid/unpaid), late payments and mortgage arrears
• Part IX/X agreements
• small business debt restructure.

When a client needs more financial breathing room, having access to flexible lending solutions can help you explore more possibilities and keep their goals moving forward. If you have a scenario in mind, reach out to your CLM or your Connective Solutions BDM.

Important Information

Information is correct as of 29 October 2026 and is subject to change.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. We recommend clients consult a licensed financial or tax adviser.

^*Promotion applies to new Prime Home Loan (Full Doc) residential purchase applications in Cat 1 & 2 locations up to 80% LVR for loan amounts up to $2.5M, and 80%-90% LVR for loan amounts up to $1.5M. If the property type is a unit, then it must be ≥ 40SQM. Applications must be submitted and conditionally approved between 12:00am AEST 1 April 2025 and 11:59pm AEST 12 November 2026 (Promotion Period).