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Innovative
Home Loans

Fast. Competitive. Everything you need.

  • Approval in minutes, not weeks
  • Rates from 2.44% p.a. Variable & Comparison
  • No fees
  • Offset sub-account, Visa debit card & mobile app

Rates

Owner Occupied
2.44%p.a.
Variable + Comparison Rate 
Investor
2.74%p.a.
Variable + Comparison Rate 

May 2022 RBA announcement

The Reserve Bank of Australia (RBA) increased the official cash rate by 0.25% on 3 May 2022. Connective Affinity increased its rates by 0.25% on 19 May 2022. This increase is reflected in the rates shown above.

FEATURES

One account for all your needs

Manage your money from one location

Borrow, purchase, pay and park your money away – all in one place.

Pay off your loan faster

Add your salary and savings to your offset sub-account to reduce the interest you pay.

Choose how you spend and pay

Use your Connective Affinity Visa card, BPAY and real-time bank transfers.

FEATURES

Maximise your offset sub-account

Pay off your loan faster

The money you park in your offset sub-account (e.g. salary, holidays, school fees etc), ‘offsets’ your home loan balance. Interest owing is calculated on the loan balance, which means the more you park here, the less interest you’ll pay on your home loan.

Easy payments and purchases

Make real-time transfers and payments using your Connective Affinity mobile app.

Connective Affinity Loan Types

Property Type

Owner Occupied

Investor

Repayments

Principal & Interest

Interest Only

Application

Single

Joint

Loan Type

Refinance

New Purchase

Eligibility

Income

Minimum household income

$100K

Self-employed professionals
(coming soon)

Loan | Property

Maximum Loan to Value Ratio (LVR) on existing residential property

80%

Loan amount $100K – $2.5M

New home purchases

Personal

Applicants must be over
18 years old

18+

Applicants must be/have:

Australian citizen or residents

Good credit rating

FIND THE WOW FACTOR

Our home loans are digital. How it works

Your broker will work with you to verify your requirements, then if a Connective Affinity home loan is right for you they will facilitate the application process using our innovative data and technology. We will digitally review your home loan application assessing these four key areas:

WHAT


Property valuation

Credit score and
repayment history

Income, expenses and your ability to service the loan

Identity using biometrics

HOW


We digitally access your property valuation from our valuation partner

We review your credit score and last 24 months worth of repayments on all credit products you have

With you driving, we access your financial transaction data safely and securely. FAQ

We use two forms of ID such as your Driver’s Licence, Passport or Identity Card to digitally identify you

WHY


With this data, we can approve your home loan in minutes, not weeks, removing the need for you to complete paper-based forms or supply paperwork – saving you time, effort and hassle.

Safe and Secure

We connect to your bank accounts to save time, paperwork and hassle. Assessing your financial information, safely and securely removes the painful process of supplying payslips, bank statements and manually calculating your expenses. We never see or store your personal account details. We only view the same information that you would supply if you were to manually upload your documents, except the process is faster, more reliable and requires less effort on your part. Read the regulators thoughts on this process: “ASIC, ACCC gives green light to ‘screen scraping’” AFR, 28 Feb 2020

Data usage

As a technology company, we use data at every opportunity to deliver a better, safer experience.

End-to-end encryption

Using 256-bit encrypted from end-to-end, you can be sure your information is safe and secure.

Australian Credit Licence

We hold an Australian Credit Licence, 511406, and adhere to the National Consumer Credit Protection Act 2009, and operate within the Australian Securities Investment Commission guidelines.