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CCG Borrower Guide

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Looking for fast, flexible, secured finance?

Founded in 2006, Credit Connect Group (CCG) was created to meet a growing demand for bespoke finance solutions outside the rigid frameworks of traditional banks. We are more than a lender — we are a specialist financial partner for individuals, business owners and developers who require timely, flexible and intelligent capital solutions.

Why choose CCG?

Accessible

Access funding not available with banks.

Trusted

We have over 50+ years of combined experience.

Fast Approvals

Indicative approvals within 24 hours and settlements as fast as 1 week.

Flexible Funding

Specific to your project. We believe no, two borrowers are the same.

Fixed Rate

Interest only loans. All fees are fully disclosed upfront.

Transparency

No hidden fees, no extra charges, no surprises.

Tailored Support

Bespoke guidance to secure the outcome you need.

$1.25 Billion

Built for speed. Backed by experience.

We work with brokers, borrowers, strategic partners and developers to structure short to medium term loans that suit real-world scenarios. Our experience allows us to move fast, assess on merit and support clients with confidence.

Tailored & Secured Lending Solutions

We offer a carefully considered range of property-backed loans, typically from 6 to 24 months, spanning $80K to $50M. Each facility is secured against Australian real estate and designed to align with your objectives, whether for investment, business growth, development or construction.

A Partnership Approach

Our purpose is simple: to help you access the funding you need to progress and prosper. By removing unnecessary barriers and delivering bespoke terms, we make borrowing a straightforward, empowering experienceso you can focus on outcomes, not obstacles.

Why borrow from CCG?

At CCG, we provide a wide range of bespoke financing solutions designed around the unique needs of each borrower. Every facility is structured with flexibility and clarity, ensuring the right fit for your circumstances.

What truly sets us apart is timing. Unlike traditional banks and many non-bank lenders, we have the ability to move swiftly, with approvals delivered efficiently - so you can secure the right outcome, exactly when you need it.

Property Investors

Borrow from us to renovate and sell or secure an investment property quickly without the hassle of going to the banks.

Borrow from us for cash flow purposes or to secure a new business opportunity. Business Owners

Builders & Developers

Borrow from us to build a small to large scale construction or development project or secure a property to further develop.

Property Owners

Borrow from us for bridging finance to secure a new property before selling the current property.

Access [Bridging Loans]

Quick capital to cover short-term property gaps.

Loan Amount

$80k to $50 Million

Interest Rate *1 From 9.75% p.a. to 11.75% p.a.

Repayment Type Fixed rate, Interest only

Payment Frequency Monthly or Prepaid in full

LVR *2 Up to 70%

Term 6 months to 12 months

Loan Type Bridging

Purpose

Purchase, Refinance, Early Equity Release, Renovation, Before sale, Buy before you sell, Bought and haven’t sold

Income Assessment *3 Accountants letter, Financial statements, Recent tax return, Asset & Liability (Refer Lender Criteria)

Assessment *3

Internal, Credit Check, Panel Valuation Report and Exit Strategy

Property Types Residential

Metro Location Preferably within a populated region or 50kms from any CBD (Metro only). Others case-by-case, no postcode restrictions.

We Lend To

Pty Ltd Companies, Corporate Trustee (SMSF, Trusts etc), NonResidents, Sole traders

Security Titles Torrens, Strata, Community, Volumetric, Crown Lease

Indicative Approval Time 24 hours

Notes:

*1 Pricing Dependent on risk appetite profile, location and LVR.

*2 End Debt (not Peak Debt)

*3 Financials or Accountants letter may not be required if interest is prepaid. Refer Lender Criteria requirements.

Momentum [Commercial & Business Loans]

Flexible Capital funding for trading businesses and commercial assets, including purchase, refinance and equity release.

Loan Amount

Interest Rate *1

$80k to $50 Million

From 9.75% p.a. to 11.75% p.a.

Repayment Type Fixed rate, Interest only

Payment Frequency

LVR *2

Monthly or Prepaid in partial or full

Up to 70%

Term 6 months to 24 months

Loan Type 1st Mortgage

Purpose

Purchase, Refinance, Equity release, Working capital for business purposes, Debt Consolidation, ATO Clearance, No DA works or Renovations

Income Assessment *3 Accountants letter, Financial statements, Recent tax return, Asset & Liability (Refer Lender Criteria)

Assessment *3

Property Types

Internal, Credit Check, Panel Valuation Report and Exit Strategy

Residential, Offices, Industrial, Retail, Warehouses, Factories, Childcare centres, Shopping centres, Hotels, Motels, Residual stock

Metro Location Preferably within a populated region or 50kms from any CBD (Metro only). Others case-by-case, no postcode restrictions.

We Lend To

Pty Ltd Companies, Corporate Trustee (SMSF, Trusts etc), NonResidents, Sole traders

Security Titles Torrens, Strata, Community, Volumetric, Crown Lease

Indicative Approval Time 24 hours

Notes:

*1 Pricing Dependent on risk appetite profile, location and LVR.

*2 Second Mortgage Loans - Up to 75% LVR (Interest rate from 18.75% p.a.) Refer to Boost Product.

*3 Financials or Accountants letter may not be required if interest is prepaid. Refer Lender Criteria requirements.

Rise [Construction & Development Finance]

Structured finance for ground-up builds and major projects.

Loan Amount

Interest Rate *1

Repayment Type

$80k to $50 Million

From 9.75% p.a. to 11.75% p.a.

Fixed rate, Interest only

Payment Frequency Prepaid

LVR *2

Up to 70% as if completed (and GRV)

Term 6 months to 24 months

Loan Type

1st Mortgage

Purpose Development loans, Property Acquisitions including Development sites with DA, Residential Subdivisions, Commercial and Industrial on as if completed basis

Income Assessment *3 Financial statements, Recent tax return, Asset & Liability (Refer Lender Criteria)

Assessment *3

Property Types

Metro Location

We Lend To

Feasibility, Panel Quantity Surveyor Report, Panel Valuation Report, Internal, Credit Check and Exit Strategy

Residential, Offices, Industrial, Retail, Warehouses, Factories, Child Care Centres, Shopping Centres, Hotels, Motels, Land Sub-Divisions

Preferably within a populated region or 50kms from any CBD (Metro only). Others case-by-case, no postcode restrictions.

Pty Ltd Companies, Corporate Trustee (SMSF, Trusts etc), NonResidents, Sole traders

Security Titles Torrens, Strata, Community, Volumetric, Crown Lease

Indicative Approval Time 24 hours

Notes:

*1 Pricing Dependent on risk appetite profile, location and LVR.

*2 Second Mortgage Loans - Up to 75% LVR (Interest rate from 18.75% p.a.). Refer to Boost Product.

*3 Financials or Accountants letter may not be required if interest is prepaid. Refer Lender Criteria requirements.

Horizon [Land Loans]

Secure land now. Build or sell when you’re ready.

Loan Amount

$80k to $50 Million

Interest Rate *1 From 9.75% p.a. to 11.75% p.a.

Repayment Type

Fixed rate, Interest only

Payment Frequency Monthly or Prepaid partially or in full

LVR *2 Up to 70%

Term 6 months to 12 months

Loan Type 1st Mortgage

Purpose

Purchase, Refinance, Equity release, Working capital for business purposes

Income Assessment *3 Accountants letter, Financial statements, Recent tax return, Asset & Liability (Refer Lender Criteria)

Assessment *3 Internal, Credit Check, Panel Valuation Report and Exit Strategy

Property Types

Residential or Commercial Land Only

Metro Location Preferably within a populated region or 50kms from any CBD (Metro only). Others case-by-case, no postcode restrictions.

We Lend To Pty Ltd Companies, Corporate Trustee (SMSF, Trusts etc), NonResidents, Sole traders

Security Titles Torrens, Strata, Community, Volumetric, Crown Lease

Indicative Approval Time 24 hours

Notes:

*1 Pricing Dependent on risk appetite profile, location and LVR.

*2 Second Mortgage Loans - Up to 75% LVR (Interest rate from 18.75% p.a.). Refer to Boost Product.

*3 Financials or Accountants letter may not be required if interest is prepaid. Refer Lender Criteria requirements.

Vault [SMSF Loans]

Property-secured lending tailored for SMSFs.

Loan Amount

$80k to $50 Million

Interest Rate *1 From 9.75% p.a. to 11.75% p.a.

Repayment Type Fixed rate, Interest only

Payment Frequency Monthly or Prepaid partially or in full

LVR *2 Up to 70%

Term 6 months to 24 months

Loan Type 1st Mortgage

Purpose Purchase, Refinance

Income Assessment *3 Accountants letter, Financial statements, Recent tax return, Asset & Liability (Refer Lender Criteria)

Assessment *3 Internal, Credit Check, Panel Valuation Report and Exit Strategy

Property Types Residential, Commercial and Industrial

Metro Location

Preferably within a populated region or 50kms from any CBD (Metro only). Others case-by-case, no postcode restrictions.

We Lend To Corporate Trustee (SMSF, Trusts), Non-Residents

Security Titles Torrens, Strata, Community, Volumetric, Crown Lease

Indicative Approval Time 24 hours

Notes:

*1 Pricing Dependent on risk appetite profile, location and LVR.

*2 Second Mortgage Loans - Up to 75% LVR (Interest rate from 18.75% p.a.). Refer to Boost Product.

*3 Financials or Accountants letter may not be required if interest is prepaid. Refer Lender Criteria requirements.

Boost [Second Mortgage Loans]

Unlock equity without touching your first mortgage.

Loan Amount

$80k to $20 Million

Interest Rate *1 From 18.75% p.a. to 21.75% p.a.

Repayment Type Fixed rate, Interest only

Payment Frequency Monthly or Prepaid

LVR Up to 75%

Term 6 months to 12 months

Loan Type 2nd Mortgage

Purpose

Purchase, Refinance, Equity release, Working capital for business purposes

Income Assessment *2 Accountants letter, Financial statements, Recent tax return, Asset & Liability (Refer Lender Criteria)

Assessment *2 Internal, Credit Check, Panel Valuation Report and Exit Strategy

Property Types

Metro Location

Residential, Offices, Industrial, Retail, Warehouses, Factories, Child care centres, Shopping centres, Hotels, Motels, Residual stock and Land banks

Preferably within a populated region or 50kms from any CBD (Metro only). Others case-by-case, no postcode restrictions.

We Lend To Pty Ltd Companies, Corporate Trustee (SMSF, Trusts etc), NonResidents, Sole traders

Security Titles Torrens, Strata, Community, Volumetric, Crown Lease

Indicative Approval Time 24 hours

Notes:

*1 Pricing Dependent on risk appetite profile, location and LVR.

*2 Financials or Accountants letter may not be required if interest is prepaid. Refer Lender Criteria requirements.

Our fees

We pride ourselves on having no hidden fees - No line fees, and no management fees, so you know what you are paying at all times during your loan term.

Establishment Fee 0.1% (+ GST) indicative terms offer. $550 Minimum

Valuation Costs From $880 - Payable to Panel Valuers

Quantity Surveyor Costs *1 From $880 - Payable to Panel Quantity Surveyor

Loan Docs At cost - Payable to Panel Solicitor

Approval Fee *2 1.5% (+GST) Payable at settlement from loan proceeds

Discharge Fee N/A

Line Fee N/A

Monthly / Annual Fee N/A

Management Fee N/A

Notes:

*1 Construction & Development only.

*2 On Boost 2% + GST

FREE CALL

1300 795 507 (in AUS)

CALL

+61 7 5593 1300 (outside AUS)

EMAIL borrow@ccg.com.au

QUEENSLAND

HQ Robina Building, Level 4 1 Laver Drive, Robina QLD 4226

NEW SOUTH WALES

Suite 3.01, Level 3, 56 Pitt Street, Sydney NSW 2000

VICTORIA

Suite 405, Level 4, 488 Bourke Street, Melbourne VIC 3000

MAIL

PO BOX 3574

Robina Town Centre, QLD 4230

Credit Connect Finance Pty Ltd (ACN 113 576 891) (“Credit Connect Finance”) holds an Australian Credit License 396190 issued by the Australian Securities and Investments Commission. The entity is licensed to provide credit to consumer clients under the National Consumer Credit Protection Act.

AFSL

Credit Connect Capital Limited (CCC) (ACN 104 081 192) is an unlisted public company and holds AFSL No. 230173 issued by ASIC. The entity is licensed to offer managed investment schemes to retail and wholesale clients. Under the conditions of its AFSL, CCC may operate both registered and unregistered managed investment schemes including mortgage schemes. CCC’s Board is comprised of one executive director and two non-executive directors and the senior management team has over 50 years combined experience in the areas of mortgage administration and funds management (refer to www.ccg.com.au for more detail).

The information provided in this brochure is for general education purposes only and is not intended to constitute specialist or personal advice. This brochure is not intended to be a complete statement of all information and has been prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the information to your own situation and needs before taking any action. It should not be relied upon for the purpose of entering into any legal or financial commitments. All loan applications are subject to our normal credit assessment and loan suitability criteria. Terms, conditions, fees, and charges apply. Past results are not a guarantee of future performance. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.

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