CCG Borrower Guide

Borrower Guide AUSTRALIA’S HOME OF NON-BANK LENDING

CCG.COM.AU

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

Fixed Rate

Access funding not available with banks.

Interest only loans. All fees are fully disclosed upfront.

Trusted

Transparency

We have over 50+ years of combined experience.

No hidden fees, no extra charges, no surprises.

Fast Approvals

Tailored Support

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

Bespoke guidance to secure the outcome you need.

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

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$1.25 Billion LOANED

508+ LOANS FUNDED

54% LVR AVG

100% CAPITAL REPAID

CCG.COM.AU 03

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

A Partnership Approach

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.

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 experience so you can focus on outcomes, not obstacles.

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How to apply?

01 Connect Apply online or speak with one of our team.

02 Clarify Receive a tailored indicative approval within 24 hours.

03 Goal Finalise & settle with efficiency, often within 1 week.

1300 795 507

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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

Builders & Developers

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

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

Business Owners

Property Owners

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

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

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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.

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Momentum [Commercial & Business Loans] Flexible Capital funding for trading businesses and commercial assets, including purchase, refinance and equity release.

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 partial or full

LVR *2

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

Internal, Credit Check, Panel Valuation Report and Exit Strategy

Property Types

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.

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Rise [Construction & Development Finance] Structured finance for ground-up builds and major projects.

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

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

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

Property Types

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

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.

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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.

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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.

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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

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

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

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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

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Let’s talk about your scenario.

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

ACL 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.

MAIL PO BOX 3574 Robina Town Centre, QLD 4230

CCG.COM.AU