Reference Rates

Updates effective from 4th February 2026.

The following updates are now in effect:

• Reference Rate 13.45% p.a.
• Select Reference Rate 13.65% p.a.
• Commercial Reference Rate 13.65% p.a.
• CGR Reference Rate 3.85% p.a.
• SMSF Commercial Reference Rate 3.85% p.a.
• SMSF Residential Reference Rate 3.85% p.a.
• Resi Prime Reference Rate 13.45% p.a.
• Resi Prime Inv Reference Rate 13.65% p.a.

The interest rate that applies to your loan is made up of a reference rate plus or minus a margin. To find out your specific interest rate, we recommend that you look at your loan details on the Connective Complete Customer Portal. You can also contact us at 1300 425 913.