Access is not the hard part. Knowing which of them will fund your deal, at what leverage, and on what conditions, is. We are accredited through Connective, one of Australia’s largest aggregation groups, and hold direct relationships beyond it.
Every broker can reach a similar list. What decides your outcome is knowing which lender is genuinely active in your asset class this month, what their credit team will accept on valuation, and which of them will move at the speed your deal needs.
We are mandated as your adviser, not paid to place you with a particular funder. If the right answer is your existing bank, we will tell you.
We are accredited through Connective, which publishes its panel. Availability and appetite change, and inclusion here is not an indication that a lender will fund your deal. Current as at 29 August 2026.
AMP Bank · ANZ · AMB · Auswide Bank · Bank of China · Bank of Melbourne · BankSA · Bankwest · Bendigo Bank · BOQ · Commonwealth Bank · Firefighters Mutual Bank · Gateway · Health Professionals Bank · IMB Bank · ING · Macquarie Bank · ME Bank · MyState Bank · NAB · Newcastle Permanent · People’s Choice · P&N Bank · St.George · Suncorp Bank · Teachers Mutual Bank · UBank · UniBank · Westpac
Better Choice · Better Mortgage Management · Bluebay · Deposit Power · Firstmac · Granite Home Loans · HomeStart Finance · Keystart · La Trobe Financial · OwnHome · Pepper Money · RedZed · Resimac
Connective Advance · Connective Bridge · Connective Complete · Connective Elevate · Connective Horizon · Connective Reverse · Connective Select · Connective Skip · Connective Solutions
Aquamore · Arch Finance · ARG · Banjo · GCI · Judo Bank · Lumi · Moneytech · MSquared Capital · OnDeck · Orde Financial · Pallas Capital · Prospa · ScotPac · Shift · Trailblazer
Affordable Car Loans · AFS · Alex.Bank · AMMF · Angle Finance · Azora · Branded Financial Services · Capital Finance · Connective Cashflow · Drive · Financeone · Flexicommercial · Grenke · Iron Capital Group · Latitude · Medfin Finance · Metro · Money3 · MONEYME · NOW Finance · Orix · Plenti · Selfco · The Asset Financier · Wisr
Alongside the aggregation panel we hold direct relationships with private credit funds and specialist funders. Those are not named on this page, deliberately.
Several of them work with a small number of advisers and do not take approaches from borrowers directly. Publishing their names invites contact they have asked not to receive, and the relationship is worth more to our clients than the page would be.
If your deal suits one of them, you will hear the name in the conversation. That is usually the point at which it matters.
Which lenders are actively writing your asset class this month, not which ones list it on a website.
Whether your income, structure or security passes their tests before an application is made, rather than after.
Which of them can genuinely meet your deadline. Most cannot, and knowing which can is most of the answer.
The rate matters. So do line fees, review triggers, covenants and what the facility costs to exit.
Whether this lender still suits the second and third transaction, or locks you out of them.
A panel blast is not a strategy. It marks your file across the market and weakens your position with every lender who sees it declined elsewhere.
More than 100, across the Connective aggregation panel and direct relationships we hold outside it. The panel on this page is the published part. The number matters far less than knowing which two or three to approach for your deal.
No. Black Mountain Financial holds its own Australian Credit Licence (570391) and is a credit representative of Connective Credit Services (ACL 389328). We are not owned by a lender or a bank, and we are mandated as your adviser.
The aggregation panel is published above. Some of the private credit funds and specialist funders we work with directly are not, because they work with a small number of advisers and do not want to be approached by borrowers directly. We respect that, because the access is worth more to our clients than a longer list on a web page.
Not on its own. Rate is one term among several, and the lender offering the lowest headline number is often not the one whose structure suits the deal. What a wide panel buys you is the ability to match a deal to the right credit appetite rather than the nearest one.
Our Credit Guide lists the top six lenders by volume for residential credit assistance, as required. Commercial and development work is spread more widely, because the right funder changes with the asset, the leverage and the timeline.
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