Connective Home Loans Review 2026

Connective Home Loans is now called Connective Lending. It’s a collection of loans offered through brokers, with different lenders behind the different product names. It isn’t one bank with one set of rules.

For example, Solutions is backed by Pepper Money, Elevate by Bluestone and Horizon by Brighten. So being declined for one Connective product doesn’t automatically tell us what will happen with another.

The names are easy to mix up. This is how I’d separate the current range before looking at rates. The company behind a product matters, but its directly branded loan isn’t automatically identical to the Connective version.

For more on the lenders behind the range, read our Pepper Money review, Bluestone review, Thinktank review and Bendigo Bank review. Our Adelaide Bank guide covers the name you may see on older Select paperwork.

Horizon is backed by Brighten. Our Brighten Home Loans review covers its self-employed and bridging options.

Complete is Connective’s own product range. RedZed provides, manages and services the loans. It covers more than a standard home purchase, including self-employed income, companies and trusts, debt consolidation and commercial property.

That makes it worth checking when several parts of your application need explaining. I’d still compare the actual loan terms and our access to the product before putting it on your shortlist.

Essentials was backed by Advantedge, part of NAB. Advantedge stopped accepting new applications on 30 September 2025, so you can no longer apply for a new Essentials loan.

Existing loans are moving to NAB-branded products during 2026. If you have one, follow the notices for your account rather than an old Essentials brochure. Our NAB review explains NAB’s current home-loan range.

You may also see Smart Options, backed by Macquarie, or Prime, associated with ING, in Connective’s customer support information. Those listings help identify an existing account; they don’t establish that the product is open to new applications. See our Macquarie review and ING review for their own loan ranges.

There’s no single Connective deposit requirement. It changes with the product, your income, credit history and the property. A smaller deposit can also mean a different rate or an extra fee.

Our low and no-deposit loan guide explains the alternatives. If you qualify, compare the 5% Deposit Scheme through a participating lender, or a profession-based LMI waiver. There isn’t a single profession waiver covering the whole Connective range.

Elevate says a risk fee may apply. That is a cost to you even though it isn’t called lenders mortgage insurance. The exact amount depends on the offer, and it isn’t charged on every possible loan: Connective also advertises a limited fee-free Prime full-doc option in selected metropolitan locations.

I’d ask for the fee in dollars and check whether it’s paid upfront or added to the loan. If it’s added, you pay interest on it too.

Possibly. Solutions and Elevate are two ranges I’d check where a past credit problem makes a bank loan harder. Complete also considers some non-standard credit histories. The lender still needs to understand what happened and whether the repayments are affordable now.

With Elevate, the four residential tiers are Prime, Near Prime, Specialist and Specialist+. Moving down the list generally means more room for past credit problems, but potentially a higher cost.

We’ll review your credit report and recent repayments to understand what happened. For a default, we’ll check how much it was, when it happened and whether it has been paid. I’d check those details before choosing a tier, rather than assuming one missed payment puts you in the most expensive loan. Read our bad credit home loan guide for the steps to take first.

A business owner can have a good income without having the documents a bank wants at that moment. Several Connective ranges offer full-doc and alt-doc options. Alt-doc means a different way to prove income, not borrowing without proving you can repay.

Depending on the loan, that evidence might include business activity statements (BAS), business bank statements or the lender’s accountant declaration. Trading history and the amount you want to borrow still matter. Our self-employed home loan guide explains how those options compare.

We’ll work out which range fits your income, then explain the documents you’ll need.

Select’s offset is a useful distinction if you want to fix your rate and still keep savings working against the loan. Other ranges may offer an offset sub-account with different access. I’d check how you’ll actually move your money, not just whether “offset” appears on the feature list.

Our home loan features guide explains what to compare. For an existing loan, Connective’s account login page sends you to the right provider.

Horizon and Elevate both advertise building options, including alternative income documents for eligible borrowers. The lender will need your plans and building contract, and will check the builder, property and progress payments. A pre-approval for a completed home doesn’t automatically cover a build.

See our construction loan guide before signing the building contract.

Connective Bridge is backed by Bridgit and is designed for buying before you sell. Other Connective ranges also offer bridging loans.

If repayments are deferred during the bridge, interest may still be added to what you owe. I’d compare the total cost, sale deadline and what happens if your old home sells for less. Our bridging loan guide covers those questions.

Horizon is the Brighten-backed range for expats and non-residents, among other borrowers. Elevate now advertises an expat product too. Your citizenship or residency, country, currency and the property can change the answer.

I wouldn’t use one blanket deposit figure for every overseas borrower. We need to check the exact product and how much of your overseas income the lender will count.

Connective Reverse is provided through Household Capital for eligible homeowners aged 60 and over. It lets you borrow against your home, with interest generally adding to the debt if you don’t make repayments.

That reduces the equity you keep over time. It needs a separate conversation about future housing, care and family plans, not a quick comparison with an ordinary refinance.

Advance, backed by Thinktank, and Complete are two parts of the range covering commercial property and SMSF lending. Other products advertise these options too. These are separate from a loan for your own home. We’ll check which products we can arrange before comparing them with other lenders.

There isn’t one Connective interest rate. Your quote depends on the product, deposit, income documents and credit history. A specialist loan can make a purchase possible, but that doesn’t make it good value for someone who would qualify for a cheaper bank loan.

Use our mortgage calculator to compare repayments. If you’re using equity to buy another property, check the effect on both loans and the cash buffer you’ll have left.

We start by comparing the relevant product with other lenders, then confirm the income, credit and property requirements. Once you’re comfortable with the option, we gather the documents and lodge the application.

The lender may ask for more information or a valuation. More complicated applications can take longer, so we’ll check the timing against your finance deadline.

A pre-approval can help you shop with a clearer budget, but the final property and loan conditions still need approval. Our first home buyer mistakes guide covers what to avoid before signing.

Start with the funder’s own product where it’s available to you. Our Pepper and Bluestone reviews are useful beside Solutions and Elevate.

For a straightforward loan, I’d also compare other lenders. Our ING, Macquarie, Suncorp and Bank of Queensland reviews give you other starting points. Browse all our lender reviews for a wider comparison.

For Suncorp, also check the announced move to ANZ and what it could mean for the features you use. BOQ has paused broker applications for new customers, so a new BOQ customer currently needs to apply directly. We can compare those quotes with the lenders we can arrange.

Our mortgage brokers can help you compare the options. Meet our team, read about choosing a broker or get in touch.