CCG Broker Guide

Broker Guide AUSTRALIA’S HOME OF NON-BANK LENDING

CCG.COM.AU

Why work with us?

At Credit Connect Group, we know the pressure brokers face when clients need fast, flexible solutions that traditional banks can’t provide. Our strength lies in crafting responsive, tailored finance options for business and property transactions.

We value the trust you place in us and understand that the service your clients receive is a direct reflection on your business as well as ours. That’s why we focus on building strong, collaborative partnerships with brokers.

Experienced Non-Bank Lender: As one of Australia’s leading nonbank and private credit lenders, we provide access to funding not available through banks, credit unions or building societies. With over 50+ combined years of successful lending, our insights allow us to assess deals on merit and move Speed & Efficiency: Receive indicative approvals within 24 hours and settlements in as little as a week as 48 hours.

Tailored & Flexible Solutions: Every loan is assessed individually, providing a structure that fits the borrower’s unique circumstances.

From loan amount, term and LVR, to how interest is paid, CCG believes no two loans should ever be the same.

Transparent Lending: All fees are disclosed upfront, with fixed-rate, interest-only structures that let clients know exactly what they are paying from start to finish.

No hidden fees. No surprises.

Extensive Product Range: Our suite spans bridging, commercial and business loans, construction and development finance, landbank, 1st and 2nd mortgages. We can fund up to $50 million.

Broker First: CCG does not claw back commissions. Brokers are paid within 24 hours of settlement, ensuring a true partnership approach. No mandate, no worries.

Direct Access to Decision-Makers: Unlike larger institutions, we provide brokers with direct lines to managers who can engage with all stakeholders and negotiate bespoke solutions outside of standard lending terms.

Partnership Support: We are committed to helping you grow your business and can provide product training and deal support, our team works alongside you every step of the way.

02

$1.25 Billion LOANED

508 LOANS FUNDED

54% LVR AVG

100% CAPITAL REPAID

CCG.COM.AU 03

No Broker Mandates At CCG, we recognise that time is critical.

Traditional broker mandates, where borrowers must sign an agreement confirming broker fees, often this slows down the process.

To keep things moving quickly, CCG does not require a broker mandate.

Instead, we simply ask brokers to provide written confirmation of their fee. This amount is then included in our Terms Offer, which the borrower signs. The approach has proven highly effective for many brokers, as it streamlines approvals and avoids unnecessary delays.

Remuneration For Brokers At CCG, brokers are paid an upfront commission upon settlement. The broker nominates their fee, which is included in our Terms Offer from the outset, and commission is then calculated based on the loan size.

This ensures brokers are rewarded for introducing business, while borrowers benefit from expert guidance, ongoing support, and access to a broad range of lending options.

*This applies only to loans that do not fall under the National Credit Code.

04

Becoming an Accredited Broker Working with CCG starts with a straightforward accreditation process.

01 Apply online Complete our broker accreditation form. A member from our Borrowing Services Team will contact you to confirm your registration and to discuss working with CCG.

02 Get accredited Accreditation is typically completed within 24 hours. Once approved, you’ll receive access to our broker resources and product tools and be provided with a unique accreditation code to be used with your submissions.

03 Learn our products Our induction program and Borrower Services support will familiarise you with CCG’s product suite, credit process and compliance requirements.

04 Submit your first deal Accredited brokers can submit loan scenarios directly via our borrower services team or your assigned manager. Our specialists provide quick, sensible decisions and hands-on support throughout the process.

04 Build & grow This streamlined process ensures you can start writing business with CCG almost immediately, without unnecessary hurdles.

Once you’re onboard, you’ll have ongoing access to updates, marketing materials, and direct lines into our Borrower Services Team.

05

Loan offerings Our loan offerings can range up to $50,000,000 and are always secured against real estate security.

We provide finance for: Residential property

Residential and commercial development

Industrial property

Commercial property

Vacant land, with or without development approval

Construction

Residual stock loans

Short-term business needs

Short-term bridging finance

SMSF loans

Second mortgages

All loans arranged are for terms of up to 2 years and interest only.

06

Our product suite Access [Bridging Loan] Our bridging finance solution provides quick capital to cover short-term property gaps.

Loan Size

$80k to $50 Million

LVR

Up to 70%

Term

6 months to 12 months

Use Cases

Property purchase before sale, refinance, early equity release, renovations.

Momentum [Commercial & Business Loan] Momentum is our flexible funding product for trading businesses and commercial assets, including purchase, refinance and equity release Loan Size

$80k to $50 Million

LVR

Up to 70% (75% for second mortgages at higher pricing)

Term

6 months to 24 months

Use Cases

Working capital, debt consolidation, ATO clearance, property or business acquisition

Rise [Construction & Development Finance] Rise provides structured finance for builders and developers undertaking major projects Loan Size

$80k to $50 Million

LVR

Up to 70% as if completed (and GRV)

Term

6 months to 24 months

Use Cases

Ground-up builds, small to large-scale residential or commercial projects, subdivisions, DA-approved sites

07

Our product suite (continued) Horizon [Land Loan] Horizon offers flexible funding to secure land now and build or sell later.

Loan Size

$80k to $50 Million

LVR

Up to 70%

Term

6 months to 12 months

Use Cases

Land banking, purchase of development sites, property acquisitions with future build intent

Boost [Second Mortgage Loan] Boost is designed for borrowers who need additional capital quickly, secured behind an existing mortgage.

Loan Size

$80k to $20 Million

LVR

Up to 75%

Term

6 months to 12 months

Use Cases

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

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

Notes: *1 Construction & Development only. *2 On Boost 2% + GST

08

Working with Brokers Our process is deliberately simple to keep deals moving: 1. Submit Scenario Submit online or email info@ccg.com.au for an eligibility check and personalised rate or to your respecting Borrower Services team member

2. Receive Indicative Approval Receive tailored terms within 24 hours. If suitable, complete and return the electronic application with supporting documents.

3. Assessment We issue a Terms Offer, collect required fees, collect the necessary information and complete our due diligence in preparation for final credit assessment.

4. Approval Credit committee issues a formal Letter of Offer for signing.

5. Settlement Loan is funded through our investor network and settled, with funds advanced promptly to your client.

10

Borrower Checklist All Applications:

Construction / Development / If applicable:

→ Fully completed and signed Credit Connect Application form

→ Copy of Development Approval → Copy of Building Approval

→ Current year rates notice all security properties (Not instalment notice) → 100 points of ID for each borrower on title (Copy of drivers licence, passport etc)

→ Signed copy of fixed price building contract → Copy of building plans and specifications → Full copy of the Trust Deed (If applicable)

→ Copy of last 6 months loan statements for loans being refinanced → Copy of lease(s) for all security properties (If applicable) → Signed copy of Contract of Sale (If Purchaser)

→ Bank statement or other evidence of funds to complete (If applicable) → Completed and signed Accountants letter (For self-employed borrowers) → Last 2 years profit and loss statements and tax returns.

11

Testimonials Your Partner in Lending. At Credit Connect Group, we believe borrowing should be simple, efficient, and transparent. With over $1.25 billion funded and a strong reputation for trust and reliability, we are proud to be a leading non-bank lender in Australia. When time is of the essence and precision matters, CCG is the partner you can rely on.

Working with CCG has been one the best experiences in my 30 years of broking. They are quick with responses and accurate with their information provided. I would recommend their professionalism to anyone.

TONY TANESKI, MANAGING DIRECTOR I HONESTY INTEGRITY SOLUTIONS (BROKER)

We have a lot of borrower enquiries. If we believe they are loans worthy of funding, we forward them to Credit Connect to consider funding. The turnaround time in obtaining approval is fantastic, the hands-on approach, professional manner, communication and respect shown by Credit Connects’ staff is to be commended.

Our firm has been involved in millions of dollars’ worth of loan transactions that have settled with Credit Connect over the years and highly recommend them for any financing needs you have.

CON MORRIS FROM MORRIS & HARTFORD FINANCE CO OF AUSTRALIA (REFERRER)

From start to finish, the entire process of my transaction with CCG was very smooth and professional. They cleared up all the queries I had about stepping into the realm of non-bank lending and only made me wish that I’d done it sooner. A massive thank you to the entire team and looking forward to the opportunity to work with them again.

MR. WAYNE P. (BROKER)

Credit Connect Group, just a quick note to show our appreciation to Andrew Psalti and his team with regards their help with not one, but two very challenging loan scenarios. Andrew worked around the clock and on weekends to get these deals over the line and we couldn’t be happier with the results. We will definitely be coming back to CCG! AJ ENDRINA, GREYTHORNE CAPITAL (BROKER)

11

Let’s talk about your scenario.

FREE CALL 1300 795 507 (in AUS) CALL +61 7 5593 1300 (outside AUS) EMAIL info@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