Connective Mortgage Aggregator for Brokers 2026

Connective is an Australian mortgage aggregator that gives member brokers lender access, Mercury Nexus software and compliance support. Its residential, commercial and asset-finance businesses suit brokers who want to expand beyond home loans while keeping their own brokerage. The decision rests on the lenders you can actually use, the annual membership cost and the rights your agreement preserves when you leave.

Connective Aggregation Model

Connective connects your brokerage to lenders and supports the systems you use to run it. The broker holds the client relationship, prepares the recommendation and handles the application. Aggregation membership supplies infrastructure and support around that work.

As at October 2026, Connective’s Our Offering page describes residential, commercial and asset-finance aggregation and says more than 5,000 brokers use the group. Its About Us page dates its founding to 2003. Its Powered by Connective page describes Connective as privately owned and says it isn’t owned by a bank or financial institution.

Connective’s public flexibility claims include leaving without a penalty and retaining ownership of your trail book. It also says brokers with their own Australian credit licence can maintain other lender relationships.

These statements describe the membership proposition. Your signed agreement sets the obligations for your brokerage.

Which Brokerages Fit

An established residential brokerage can value a shared operating platform while developing commercial lending or equipment finance. An asset specialist can value the separate asset panel and support team. A broker who wants licence supervision can consider becoming a credit representative under Connective’s licence.

Get the membership proposal addressed to your actual entity and lending activities. It must identify who holds the licence and whether you join as a licence holder or credit representative. Have Connective state the experience, training and lender accreditation needed for each discipline you intend to write.

A residential appointment doesn’t establish permission to write every commercial or asset product. Include any direct lender relationships you want to preserve in the proposal. Use the mortgage aggregator comparison to compare that operating model with other groups.

Lender Access and Policy Support

Connective’s overall lender panel has more than 70 lenders, according to its public panel page as at October 2026. That is a group panel count across lending categories. Your usable panel depends on completed accreditation and the products each lender authorises you to lodge.

Connective’s best interests duty guide explicitly separates panel breadth from a broker’s accreditations. It says brokers need a reasonably representative accredited panel for the customers they serve. It also identifies a compliance support manager and the Connective Community as routes for support, including contact with lender business development managers (BDMs).

Keep a lender access register with the lender, product category, accreditation status and approved submission route. An available lender logo establishes panel presence. An active broker code and the relevant product entitlement establish whether you can submit that application.

A Difficult Scenario Through Support

In this fictional example, Mia runs a building business and wants a home-loan refinance while her latest financials are being completed. The broker has to establish an acceptable income-evidence route before selecting a lender. A complete enquiry gives the lender the facts needed to answer that question.

1. Record Mia’s trading history, available financials and purpose of the refinance. Identify exactly which documents are incomplete.
2. Read the shortlisted lender’s current policy and record the wording that addresses income evidence. Keep the policy date beside the file note.
3. Send the unresolved point to the lender’s BDM through the available member support route. Ask whether the proposal fits standard policy or needs a credit exception.
4. If an exception is needed, obtain the lender’s escalation instructions and retain its written response. Record any conditions and the person who gave the response.
5. Confirm the broker’s accreditation covers the chosen product before preparing the submission. Keep the policy extract and correspondence with the application record.

A BDM discussion helps clarify the proposal. The lender’s assessment determines approval, so a file note must distinguish a preliminary discussion from an actual credit decision.

Mercury Nexus and Broker Operations

Mercury Nexus is Connective’s customer relationship management (CRM) and broker operations platform. Connective’s public platform page, as at October 2026, says access is included with membership. It documents these functions.

Part of the work	Documented function	What the brokerage must configure or authorise
Client information	Lead capture, client records and a client portal	Staff permissions, branding and collection process
Deal progress	Custom workflows and automated tasks	Stages, task owners and follow-up rules
Evidence	Open banking and credit checks	Client consent and the relevant access permissions
Compliance	Prompts, captured notes and compliance workflows	The process for reviewing the completed file
Application	Application lodgement and DigiSign	Product accreditation and submission access
Reporting	Pipeline and business analytics	Accurate deal stages and commission records

These functions support a brokerage’s process. Open banking still requires the client’s consent, and a configured workflow still needs staff to complete its tasks. Platform inclusion doesn’t grant a lender accreditation.

For Mia’s fictional refinance, the handoff carries her income documents and the lender’s written response into the application record. Record why the selected route fits, assign any outstanding documents and preserve the policy source. Before lodging, match the application figures to the underlying documents and record the lender’s conditions.

Keep the same evidence together even if your brokerage uses different workflow stages. A lender response must remain readable beside the policy and documents it qualifies.

Connective Horizon Resources and Applications

Connective Horizon is a lending range funded by Brighten, rather than the name of Connective’s aggregation administration system. As at October 2026, its professional product page directs brokers to the Research app in Mercury Nexus for current product resources. Those resources support a Horizon application, while Mercury Nexus also handles broader brokerage records.

Connective Lending’s newsletter confirms digital commercial Horizon applications through ApplyOnline. It names the Horizon Relationship Management Team at rmteamhorizon@brighten.com.au and 13 14 88 for scenario support. The product page also directs brokers to their BDM or info@connectivehomeloans.com.au.

For a Horizon file, use the product resources for the relevant loan and the submission route attached to your accreditation. Use the Horizon team to resolve a product-access or application-routing problem. The documented commercial ApplyOnline route doesn’t establish one submission method for every Horizon product.

Fees, Trail and Exit Questions

Connective’s residential pricing combines a membership model with charges for each loan writer and, where applicable, licence supervision and insurance. As at October 2026, its pricing page lists the Maximiser and Variable plans. Mercury Nexus is included with membership.

Maximiser uses a fixed partner-group fee and pays brokers 100% of upfront and trail commission. Variable pays 80% to 95% of upfront commission by volume band and 95% of trail. Both add a broker fee per loan writer.

Credit representatives also pay a representative fee and must participate in Connective’s group professional indemnity insurance. Insurance participation charges depend on commission revenue. Connective says using your own Australian credit licence adds no licence charge.

Compare the Same Twelve Months

A fixed fee becomes a smaller share of earnings as commission grows. A percentage charge depends on gross commission and the split that applies at your settlement volume. Compare both using the same settlement forecast and existing trail income, with each charge on one goods and services tax (GST) basis.

Cost component	Maximiser annual treatment	Variable annual treatment
Partner-group membership	Twelve monthly fixed fees	Retained commission calculated for each applicable volume band
Upfront commission retained	None under the advertised 100% split	Gross upfront commission less the broker’s applicable share
Trail retained	None under the advertised 100% split	5% of eligible trail commission
Loan-writer fees	Twelve monthly charges for each writer	Twelve monthly charges for each writer
Credit representative fees	Add when operating under Connective’s licence	Add when operating under Connective’s licence
Insurance participation	Add the applicable revenue-based charge	Add the applicable revenue-based charge

For a fictional two-writer brokerage, count two loan-writer charges in every month both writers remain chargeable. Use the same forecast in each model. Calculate Variable’s retained upfront commission using the applicable band in each measurement period, then add its retained trail and fixed charges.

The written quote must specify the volume measurement period, how tier boundaries work and the commission basis before deductions. Have it state Australian dollars and GST treatment for every line. Also include onboarding, optional services and any charges for extra writers beyond the advertised partner-group size.

Connective says you can change plans twice a year with 30 days’ notice. A quiet period and a growing trail book can change which plan costs less. The aggregator fee guide explains annual comparisons across different settlement volumes.

Preserve the Rights You Need After Leaving

Connective publicly says brokers own their trail book and can leave without penalty. Put the practical consequences into the agreement before signing. Trail ownership and access to the records needed to service that book are separate questions.

Request written answers to these contract questions.

• What notice must you give, and which charges run during that notice?
• How does existing trail transfer, and what deductions or clawback recoveries continue?
• Which client records, attachments and commission reports can you export, and in what format?
• How long can you access Mercury Nexus after termination, and who retains compliance records?
• What restraints or restrictions apply to clients, staff and lender relationships?
• What happens to applications that are underway when you leave?

Have the signed schedule identify the relevant clause for each answer. That makes the public flexibility claims usable in a real exit, including a move with an active pipeline.

Connective Asset-Finance Access

Connective Asset Finance advertises more than 40 lenders on its separate asset panel as at October 2026. Its asset pricing page says licence holders pay no additional membership fees and receive full commissions, paid daily. Credit representatives pay a monthly licence-related fee, so the residential membership model can’t stand in for an asset proposal.

Connective’s asset information pack describes Financeable alongside Mercury Nexus for managing quotes, capturing leads and exploring lender options. Its 21 October 2025 workflow article describes client document uploads and lender submissions through Financeable. Direct platform submission covers a subset of lenders, so the asset panel count doesn’t establish digital lodgement to every panel lender.

An Equipment Enquiry Through Settlement

In this fictional example, Mia also wants finance for a new excavator. The equipment enquiry needs its own product selection and asset accreditation. Keep the asset assessment separate from the home-loan refinance.

1. Record the equipment, seller and intended business use. Collect the supplier quote and the client’s consent for the required information checks.
2. Confirm the asset lender and product you can access under your membership. Establish whether your entitlement uses direct lender accreditation or an authorised processing route.
3. Use the available quoting workflow to compare eligible terms. Record the repayment assumptions, any residual payment and the expiry of the quotation.
4. Collect the lender’s required evidence and submit through the route approved for that lender. Retain the submission reference and any conditions.
5. Satisfy the approval and settlement conditions, including equipment and supplier verification. Reconcile settlement and the commission record once the transaction completes.

Connective’s older asset guide describes direct accreditation and assisted processing options, including BOLT. For a new membership, have the asset team identify the current accreditation and processing route in your proposal. Reach that team through Connective Asset Finance’s joining enquiry or 1300 65 66 37.

Choose Connective for diversification when the written proposal gives your brokerage the asset and commercial access it needs. Settle the accreditation, annual cost and record-export terms before changing aggregator, so the operating model supports both today’s home loans and the next discipline you add.