Connective launches 2% deposit home loan with Skip

The new product, Connective Skip, has been added to Connective’s white label lending portfolio and will be available exclusively to the aggregator’s more than 5,400 member brokers.

Under the offering, eligible borrowers can access a home loan with a deposit of as little as 2 per cent. The loan is also available to investors seeking higher loan-to-value ratio (LVR) lending options.

According to Connective, the product is designed to address a growing group of borrowers who have the capacity to service a loan but are unable to meet traditional deposit requirements.

Michael Goerner, head of Connective Lending, said deposit constraints had become a key challenge for many prospective borrowers.

“Brokers are increasingly working with clients who have the capacity to service a loan but are held back by the time it takes to save a deposit,” he said.

“Connective Skip is designed to give brokers a practical pathway to progress those scenarios, particularly where deals may otherwise stall, while still aligning with the client’s financial position and goals. It’s about expanding the range of options brokers can confidently bring to the table in a more constrained affordability environment.”

The launch comes as affordability pressures continue across the housing market. PropTrack’s Housing Affordability Report found that it now takes Australians more than five and a half years on average to save a 20 per cent deposit, while property values continue to outpace wage growth.

Government schemes, such as the 5 per cent Deposit Schemes, have helped get more first home buyers into the market but have also contributed to faster price growth at the lower end of the market.

Goerner said brokers were increasingly encountering borrowers caught between rising property prices and deposit requirements.

“Brokers are seeing more clients who can comfortably service a loan but are stuck in a cycle of saving, rising property prices and expiring pre-approvals,” Goerner said.

“Connective Skip provides a new pathway to break that cycle and help those clients move forward with confidence.”

Connective said the product could help brokers support a broader range of borrowers, including first home buyers, owner-occupier upgraders and investors, while progressing applications that may otherwise not proceed.

Skip, which specialises in low-deposit lending, said the partnership would expand access to alternative lending solutions through the broker channel.

Skip co-founder and CEO Mario Emmanuel said: “Partnering with Connective allows us to scale access to a solution designed for a growing segment of borrowers who are being left behind by traditional deposit requirements.

“Through the broker channel, we’re enabling more clients with strong fundamentals to take the next step in their property journey, while helping brokers support a wider range of scenarios.”

Having rebranded from Sucasa earlier in the year, Skip has been strengthening its connection with brokers through new partnerships. In March 2026, Skip partnered with the aggregator outsource Financial, and in May, it adopted NextGen’s ApplyOnline platform to streamline the broker experience.

Connective said the new product is now available through its Connective Lending white label portfolio.

[Related: Low-deposit loan data flags untapped market]

Want to see more stories from trusted news sources?
Make Broker Daily a preferred news source on Google.