The Finance Algorithm
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Specialist

Connective Complete's Specialist Home Loan

Home loansLender updated 14 Oct 2026
Product page ↗Fees and pricing ↗

At a glance

Variable (owner occ. P&I)
8.94%9.47% comparison
Variable (investor P&I)
9.14%
Max LVR
80%
Annual fee
$300
Features
offset, redraw, extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This home loan: 9.49%Every other institution's lowest, 101 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateThis home loanBest anywhereTypical institutionWhere it sits
Variable home loanOwner occupier, principal & interest, 80% LVR9.49%5.69%AAA Financial Corporation's Portfolio Loan6.36%of 102 institutions101st lowest of 102
Investor variable home loanInvestment, principal & interest, 80% LVR9.69%5.69%AAA Financial Corporation's Portfolio Loan6.58%of 102 institutions101st lowest of 102

Rates

Every rate Connective Complete publishes for this home loan, 18 in all.

Variable rate by LVR

Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value

  1. 1–60%8.94%
  2. 60–65%8.94%
  3. 65–70%8.94%
  4. 70–75%9.29%
  5. 75–80%9.49%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
VariableInvestment, Interest only-1–60% LVR9.34%9.87%-
VariableInvestment, Interest only-60–65% LVR9.34%9.87%-
VariableInvestment, Interest only-65–70% LVR9.34%9.87%-
VariableInvestment, Interest only-70–75% LVR9.69%10.26%-
VariableInvestment, Interest only-75–80% LVR9.89%10.66%-
VariableInvestment, P&I-1–60% LVR9.14%9.67%-
VariableInvestment, P&I-60–65% LVR9.14%9.67%-
VariableInvestment, P&I-65–70% LVR9.14%9.67%-
VariableInvestment, P&I-70–75% LVR9.49%10.06%-
VariableInvestment, P&I-75–80% LVR9.69%10.46%-
VariableOwner occupied, Interest only-1–60% LVR9.14%9.67%-
VariableOwner occupied, Interest only-60–65% LVR9.14%9.67%-
VariableOwner occupied, Interest only-65–70% LVR9.17%9.67%-
VariableOwner occupied, P&I-1–60% LVR8.94%9.47%-
VariableOwner occupied, P&I-60–65% LVR8.94%9.47%-
VariableOwner occupied, P&I-65–70% LVR8.94%9.47%-
VariableOwner occupied, P&I-70–75% LVR9.29%9.86%-
VariableOwner occupied, P&I-75–80% LVR9.49%10.06%-

Rate changes

18 changes logged, newest first.

DateRateWasNowChange
15 Oct 2026Variable, Investment, Interest only, 1–60% LVR9.09%9.34%up 0.25
15 Oct 2026Variable, Investment, Interest only, 60–65% LVR9.09%9.34%up 0.25
15 Oct 2026Variable, Investment, Interest only, 65–70% LVR9.09%9.34%up 0.25
15 Oct 2026Variable, Investment, Interest only, 70–75% LVR9.44%9.69%up 0.25
15 Oct 2026Variable, Investment, Interest only, 75–80% LVR9.64%9.89%up 0.25
15 Oct 2026Variable, Investment, P&I, 1–60% LVR8.89%9.14%up 0.25
15 Oct 2026Variable, Investment, P&I, 60–65% LVR8.89%9.14%up 0.25
15 Oct 2026Variable, Investment, P&I, 65–70% LVR8.89%9.14%up 0.25
15 Oct 2026Variable, Investment, P&I, 70–75% LVR9.24%9.49%up 0.25
15 Oct 2026Variable, Investment, P&I, 75–80% LVR9.44%9.69%up 0.25
15 Oct 2026Variable, Owner occupied, Interest only, 1–60% LVR8.89%9.14%up 0.25
15 Oct 2026Variable, Owner occupied, Interest only, 60–65% LVR8.89%9.14%up 0.25
15 Oct 2026Variable, Owner occupied, Interest only, 65–70% LVR8.89%9.17%up 0.28
15 Oct 2026Variable, Owner occupied, P&I, 1–60% LVR8.69%8.94%up 0.25
15 Oct 2026Variable, Owner occupied, P&I, 60–65% LVR8.69%8.94%up 0.25
15 Oct 2026Variable, Owner occupied, P&I, 65–70% LVR8.69%8.94%up 0.25
15 Oct 2026Variable, Owner occupied, P&I, 70–75% LVR9.04%9.29%up 0.25
15 Oct 2026Variable, Owner occupied, P&I, 75–80% LVR9.24%9.49%up 0.25

Each change is logged the night it appears in the rates Connective Complete publishes. See how every lender answered the RBA on the rate tracker.

Fees

9 fees published, grouped by when they're charged.

  1. When you take it out0.75% of balanceRisk Fee
  2. While you hold it$25 a monthAccount Management Fee
  3. When you close it or pay it offNo fee published

When you take it out1

  • Risk Fee

    A risk fee from 0.75% of the loan amount applies. Check rate card for more information.

    0.75% of balance

While you hold it1

  • Account Management Fee
    $25 a month

When particular things happen5

  • Establishment Fee
    $399
  • Legal and Administration Fee
    $895
  • Security Appraisal Fee
    $380 to $2,000
  • Settlement Fee
    $975
  • Split Loan Fee
    $350

Other fees2

  • Guarantor Fee

    Only applies if application has a guarantee

    $250
  • Trust Fee

    Applied per trust

    $250

Features

Offset accountRedrawExtra repaymentsDigital banking

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Resident
  • Available to individuals
  • Available to businesses
  • Amount $100,000 to $1,750,000
  • Maximum LVR 80%

Published by Connective Complete under the Consumer Data Right, last changed by them on 14 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.