Connective Athena
Home loans with the flexibility you deserve.
Big move ahead?
We'll help you get there
How can we help?
Borrow up to 85% of your property’s value with no LMI and put more of your income, including rent, bonuses and overtime, to work.
If you’re self-employed, you can verify your income using an accountant’s letter, business activity statements or business transaction statements.
Up to 10 offset sub-accounts and up to 10 splits per loan, plus the flexibility to use more than one property as security.
If your situation changes, you can move between our flexible home loans without discharge or application fees.
Our loan products
Explore our range of flexible home loan options
Experience more flexibility and control over how your loan is structured, with features designed to help you borrow, manage and repay in a way that suits your goals.
Structure your loan your way: Use up to 10 splits and multi-collateral to tailor your loan setup, or save with multi-offsets and no ongoing fees.
Make the most of offset flexibility: Access up to 10 offset sub-accounts per loan account.
Bundle and save: Get a cheaper rate on your owner occupier split when you bundle it with an investment loan.
Choose the repayment option that suits you: Select from variable and fixed rate options, with principal and interest or interest-only repayments.
Borrow with room to grow: Loans start from $100k, up to $3m metro and $2m regional.
Manage everything from the app: View your loan details and transactions, make instant repayments and contact your broker.
Subject to credit assessment and lending criteria. Terms and conditions apply.
If you’re self-employed, Connective Athena gives you more ways to verify your income, maximise your borrowing power and choose a loan purpose that suits your needs, including owner occupied, investment and business lending.
Flexible income verification: Use a borrower declaration supported by an accountant’s letter, six months of BAS or three months of business transaction statements.
Income assessed your way: Have income reviewed across flexible time periods to better reflect how your business earns.
Loan features that support control: Access splits, redraw and multi-offset features.
LVR-based pricing: Choose from four LVR-based pricing tiers.
Pathway to full documentation: Move to a full documentation loan later without application or discharge fees.
Subject to credit assessment and lending criteria. Terms and conditions apply.
Borrow up to 85% LVR without paying Lenders Mortgage Insurance, helping reduce upfront costs and making it easier to move sooner.
Borrower eligibility
Available to both PAYG and self-employed borrowers
Suitable for owner occupied and investment purposes
Key features
Borrow up to 85% LVR with no LMI
Access splits, redraw and multi-offset features
Switch to a sub-80% loan later without application or discharge fees as you pay down your loan
Subject to credit assessment and lending criteria. Terms and conditions apply.
Make your next move with more confidence. Your broker can use Connective Athena’s purpose-built bridging tool, powered by real-time PropTrack property and suburb data, to compare your options side by side, including buying first, selling first, settling on the same day or keeping both properties.
Key features
One application: Cover both your bridging finance and long-term home loan in one application.
Flexible repayment options: Capitalise interest and make no repayments during the bridging term, or choose interest-only monthly repayments.
Support for complex scenarios: Sell or cross-collateralise up to 10 properties through multi-party bridging.
Access and control: Use multi-offset and redraw with unlimited transfers in and out during the bridging period, with no penalties for access.
Choice at the end: Keep your end debt with Connective Athena, take no end debt or refinance elsewhere.
No servicing assessment in some cases: Where there is no end debt and interest is capitalised, no servicing assessment is required.
Risk Disclosure
Bridging loans come with risks. If your existing property takes longer than expected to sell, or sells for less than expected, you could owe more than planned and may be at risk of default. Strategies that may help reduce this risk include allocating more of the loan to end debt, maximising the bridging term and listing the property for sale early. Speak with your broker about which strategies may suit your situation.
Subject to credit assessment and lending criteria. Terms and conditions apply.
Investing through a company or trust shouldn't mean giving up premium features. We support an expansive range of borrowing structures with flexible ways to prove income, whether you're buying a new property or refinancing.
Structures we lend to: Non-trading companies and trusts, including unit and discretionary trusts
Trustee arrangements: Company and individual trustees, with a maximum of 2 directors and corporate trustees only
Support from guarantors: Guarantor income can be used to support servicing
Flexible proof of income: Full Doc and Lite Doc options, using an accountant's letter, BAS or business transaction statements
Fully featured: Splits and multi-collateral, with your choice of up to 10 offset sub-accounts or redraw
Subject to credit assessment and lending criteria. Terms and conditions apply.
Do any of these sound familiar?
You earn well above your base through overtime, bonuses or shift allowances
You're building an investment portfolio
You're self-employed and can't prove income the traditional way
You buy through a company or trust structure
You want your next home before you've sold this one
You've found the right property and can't afford to wait
Get in touch with us
Find a BrokerYour loan, at your fingertips
The Connective Athena app lets you view your loan details and transactions, make instant payments, manage payees and repayment frequency, make unlimited additional payments, log in with face or fingerprint recognition and contact your broker directly. Available for Apple and Android.
