The Finance Algorithm
Connective Select Home Loans logoConnective Select Home Loans

Connective Select Offset Home Loan

For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts.

Home loansBank updated 9 Oct 2026
Product page ↗Terms ↗

At a glance

Variable (owner occ. P&I)
6.39%6.57% comparison
Variable (investor P&I)
6.54%
Fixed
1 yr 6.69%, 2 yrs 6.69%, 3 yrs 6.79%, 4 yrs 6.89%, 5 yrs 6.89%
Max LVR
95%
Annual fee
$180
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: 6.59%Every other institution's lowest, 103 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% LVR6.59%5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions76th lowest of 104
1-year fixed home loanOwner occupier, principal & interest, 80% LVR6.69%5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M6.59%of 82 institutions45th lowest of 82, level with 3 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR6.69%6.09%BankVic's Fixed Rate Home Loan - 2 years6.62%of 84 institutions44th lowest of 84, level with one other
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.79%6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions46th lowest of 80
5-year fixed home loanOwner occupier, principal & interest, 80% LVR6.89%6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan6.89%of 63 institutions31st lowest of 63, level with one other
Investor variable home loanInvestment, principal & interest, 80% LVR6.69%5.94%AAA Financial Corporation's Portfolio Loan6.59%of 104 institutions64th lowest of 104, level with 2 others

Rates

Every rate Connective Select Home Loans publishes for this home loan, 63 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

  1. Variabletypical 6.38%6.59%
  2. 1 yr fixedtypical 6.59%6.69%
  3. 2 yrs fixedtypical 6.62%6.69%
  4. 3 yrs fixedtypical 6.69%6.79%
  5. 4 yrs fixed6.89%
  6. 5 yrs fixedtypical 6.89%6.89%
This home loanTypical lender's best

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. ≤50%6.39%
  2. 50–60%6.39%
  3. 60–70%6.44%
  4. 70–80%6.59%
  5. 80–90%6.84%
  6. 90–95%7.39%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, Interest only1 yr fixed≤80% LVR6.94%6.89%-
FixedInvestment, Interest only1 yr fixed80–90% LVR7.14%7.13%-
FixedInvestment, Interest only2 yrs fixed≤80% LVR6.94%6.91%-
FixedInvestment, Interest only2 yrs fixed80–90% LVR7.14%7.15%-
FixedInvestment, Interest only3 yrs fixed≤80% LVR7.04%6.96%-
FixedInvestment, Interest only3 yrs fixed80–90% LVR7.24%7.20%-
FixedInvestment, Interest only4 yrs fixed≤80% LVR7.14%7.02%-
FixedInvestment, Interest only4 yrs fixed80–90% LVR7.34%7.25%-
FixedInvestment, Interest only5 yrs fixed≤80% LVR7.14%7.05%-
FixedInvestment, Interest only5 yrs fixed80–90% LVR7.34%7.28%-
FixedInvestment, P&I1 yr fixed≤80% LVR6.84%6.88%-
FixedInvestment, P&I1 yr fixed80–90% LVR7.04%7.13%-
FixedInvestment, P&I2 yrs fixed≤80% LVR6.84%6.90%-
FixedInvestment, P&I2 yrs fixed80–90% LVR7.04%7.14%-
FixedInvestment, P&I3 yrs fixed≤80% LVR6.94%6.94%-
FixedInvestment, P&I3 yrs fixed80–90% LVR7.14%7.17%-
FixedInvestment, P&I4 yrs fixed≤80% LVR7.04%7.00%-
FixedInvestment, P&I4 yrs fixed80–90% LVR7.24%7.23%-
FixedInvestment, P&I5 yrs fixed≤80% LVR7.04%7.02%-
FixedInvestment, P&I5 yrs fixed80–90% LVR7.24%7.25%-
FixedOwner occupied, Interest only1 yr fixed≤80% LVR7.19%6.83%-
FixedOwner occupied, Interest only1 yr fixed80–90% LVR7.39%7.07%-
FixedOwner occupied, Interest only2 yrs fixed≤80% LVR7.19%6.88%-
FixedOwner occupied, Interest only2 yrs fixed80–90% LVR7.39%7.12%-
FixedOwner occupied, Interest only3 yrs fixed≤80% LVR7.29%6.96%-
FixedOwner occupied, Interest only3 yrs fixed80–90% LVR7.49%7.20%-
FixedOwner occupied, Interest only4 yrs fixed≤80% LVR7.39%7.05%-
FixedOwner occupied, Interest only4 yrs fixed80–90% LVR7.59%7.28%-
FixedOwner occupied, Interest only5 yrs fixed≤80% LVR7.39%7.11%-
FixedOwner occupied, Interest only5 yrs fixed80–90% LVR7.59%7.34%-
FixedOwner occupied, P&I1 yr fixed≤80% LVR6.69%6.78%-
FixedOwner occupied, P&I1 yr fixed80–90% LVR6.89%7.02%-
FixedOwner occupied, P&I1 yr fixed90–95% LVR6.89%7.51%-
FixedOwner occupied, P&I2 yrs fixed≤80% LVR6.69%6.79%-
FixedOwner occupied, P&I2 yrs fixed80–90% LVR6.89%7.03%-
FixedOwner occupied, P&I2 yrs fixed90–95% LVR6.89%7.46%-
FixedOwner occupied, P&I3 yrs fixed≤80% LVR6.79%6.83%-
FixedOwner occupied, P&I3 yrs fixed80–90% LVR6.99%7.06%-
FixedOwner occupied, P&I3 yrs fixed90–95% LVR6.99%7.44%-
FixedOwner occupied, P&I4 yrs fixed≤80% LVR6.89%6.88%-
FixedOwner occupied, P&I4 yrs fixed80–90% LVR7.09%7.11%-
FixedOwner occupied, P&I4 yrs fixed90–95% LVR7.09%7.45%-
FixedOwner occupied, P&I5 yrs fixed≤80% LVR6.89%6.90%-
FixedOwner occupied, P&I5 yrs fixed80–90% LVR7.09%7.13%-
FixedLVR > 90%Owner occupied, P&I5 yrs fixed90–95% LVR7.09%7.43%-
VariableInvestment, Interest only-≤50% LVR6.74%6.79%-
VariableInvestment, Interest only-50–60% LVR6.74%6.79%-
VariableInvestment, Interest only-60–70% LVR6.84%6.86%-
VariableInvestment, Interest only-70–80% LVR6.94%6.96%-
VariableInvestment, Interest only-80–90% LVR7.59%7.39%-
VariableInvestment, P&I-≤50% LVR6.54%6.72%-
VariableInvestment, P&I-50–60% LVR6.54%6.72%-
VariableInvestment, P&I-60–70% LVR6.59%6.77%-
VariableInvestment, P&I-70–80% LVR6.69%6.87%-
VariableInvestment, P&I-80–90% LVR6.94%7.12%-
VariableOwner occupied, Interest only-≤80% LVR7.63%7.21%-
VariableOwner occupied, Interest only-80–90% LVR8.13%7.58%-
VariableOwner occupied, P&I-≤50% LVR6.39%6.57%-
VariableOwner occupied, P&I-50–60% LVR6.39%6.57%-
VariableOwner occupied, P&I-60–70% LVR6.44%6.62%-
VariableOwner occupied, P&I-70–80% LVR6.59%6.77%-
VariableOwner occupied, P&I-80–90% LVR6.84%7.02%-
VariableOwner occupied, P&I-90–95% LVR7.39%7.56%-

Rate changes

64 changes logged, newest first.

DateRateWasNowChange
9 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR7.21%7.24%up 0.03
9 Oct 2026Variable, Investment, Interest only, ≤50% LVR6.49%6.74%up 0.25
9 Oct 2026Variable, Investment, Interest only, 50–60% LVR6.49%6.74%up 0.25
9 Oct 2026Variable, Investment, Interest only, 60–70% LVR6.59%6.84%up 0.25
9 Oct 2026Variable, Investment, Interest only, 70–80% LVR6.69%6.94%up 0.25
9 Oct 2026Variable, Investment, Interest only, 80–90% LVR7.34%7.59%up 0.25
9 Oct 2026Variable, Investment, P&I, ≤50% LVR6.29%6.54%up 0.25
9 Oct 2026Variable, Investment, P&I, 50–60% LVR6.29%6.54%up 0.25
9 Oct 2026Variable, Investment, P&I, 60–70% LVR6.34%6.59%up 0.25
9 Oct 2026Variable, Investment, P&I, 70–80% LVR6.44%6.69%up 0.25
9 Oct 2026Variable, Investment, P&I, 80–90% LVR6.69%6.94%up 0.25
9 Oct 2026Variable, Owner occupied, Interest only, ≤80% LVR7.38%7.63%up 0.25
9 Oct 2026Variable, Owner occupied, Interest only, 80–90% LVR7.88%8.13%up 0.25
9 Oct 2026Variable, Owner occupied, P&I, ≤50% LVR6.14%6.39%up 0.25
9 Oct 2026Variable, Owner occupied, P&I, 50–60% LVR6.14%6.39%up 0.25
9 Oct 2026Variable, Owner occupied, P&I, 60–70% LVR6.19%6.44%up 0.25
9 Oct 2026Variable, Owner occupied, P&I, 70–80% LVR6.34%6.59%up 0.25
9 Oct 2026Variable, Owner occupied, P&I, 80–90% LVR6.59%6.84%up 0.25
9 Oct 2026Variable, Owner occupied, P&I, 90–95% LVR7.14%7.39%up 0.25
5 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, ≤80% LVR6.84%6.94%up 0.10
5 Oct 2026Fixed, Investment, Interest only, 1 yr fixed, 80–90% LVR7.04%7.14%up 0.10
5 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, ≤80% LVR6.89%6.94%up 0.05
5 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed, 80–90% LVR7.09%7.14%up 0.05
5 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤80% LVR6.84%7.04%up 0.20
5 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, 80–90% LVR7.04%7.24%up 0.20
5 Oct 2026Fixed, Investment, Interest only, 4 yrs fixed, ≤80% LVR6.89%7.14%up 0.25
5 Oct 2026Fixed, Investment, Interest only, 4 yrs fixed, 80–90% LVR7.09%7.34%up 0.25
5 Oct 2026Fixed, Investment, Interest only, 5 yrs fixed, ≤80% LVR6.89%7.14%up 0.25
5 Oct 2026Fixed, Investment, Interest only, 5 yrs fixed, 80–90% LVR7.09%7.34%up 0.25
5 Oct 2026Fixed, Investment, P&I, 1 yr fixed, ≤80% LVR6.74%6.84%up 0.10
5 Oct 2026Fixed, Investment, P&I, 1 yr fixed, 80–90% LVR6.94%7.04%up 0.10
5 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, ≤80% LVR6.79%6.84%up 0.05
5 Oct 2026Fixed, Investment, P&I, 2 yrs fixed, 80–90% LVR6.99%7.04%up 0.05
5 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, ≤80% LVR6.74%6.94%up 0.20
5 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 80–90% LVR6.94%7.14%up 0.20
5 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, ≤80% LVR6.79%7.04%up 0.25
5 Oct 2026Fixed, Investment, P&I, 4 yrs fixed, 80–90% LVR6.99%7.24%up 0.25
5 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, ≤80% LVR6.79%7.04%up 0.25
5 Oct 2026Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR6.99%7.21%up 0.22
5 Oct 2026Fixed, Owner occupied, Interest only, 1 yr fixed, ≤80% LVR7.09%7.19%up 0.10
5 Oct 2026Fixed, Owner occupied, Interest only, 1 yr fixed, 80–90% LVR7.29%7.39%up 0.10
5 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤80% LVR7.14%7.19%up 0.05
5 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 80–90% LVR7.34%7.39%up 0.05
5 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤80% LVR7.09%7.29%up 0.20
5 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 80–90% LVR7.29%7.49%up 0.20
5 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, ≤80% LVR7.14%7.39%up 0.25
5 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed, 80–90% LVR7.34%7.59%up 0.25
5 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤80% LVR7.14%7.39%up 0.25
5 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 80–90% LVR7.34%7.59%up 0.25
5 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, ≤80% LVR6.59%6.69%up 0.10
5 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 80–90% LVR6.79%6.89%up 0.10
5 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed, 90–95% LVR6.79%6.89%up 0.10
5 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤80% LVR6.64%6.69%up 0.05
5 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 80–90% LVR6.84%6.89%up 0.05
5 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 90–95% LVR6.84%6.89%up 0.05
5 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤80% LVR6.59%6.79%up 0.20
5 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 80–90% LVR6.79%6.99%up 0.20
5 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 90–95% LVR6.79%6.99%up 0.20
5 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, ≤80% LVR6.64%6.89%up 0.25
5 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 80–90% LVR6.84%7.09%up 0.25
5 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed, 90–95% LVR6.84%7.09%up 0.25
5 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, ≤80% LVR6.64%6.89%up 0.25
5 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 80–90% LVR6.84%7.09%up 0.25
5 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 90–95% LVR6.84%7.09%up 0.25

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

Fees

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

  1. When you take it outUp to $2992 fees, each listed below
  2. While you hold it$15 a monthMonthly Admin Fee
  3. When you close it or pay it off$350Discharge Administration Fee

When you take it out2

  • Establishment Fee

    (Currently Waived)

    $299
  • Security Processing Fee
    $199

While you hold it1

  • Monthly Admin Fee
    $15 a month

When you make a transaction1

  • Bank Cheque Fee
    $10

When particular things happen5

  • Default Fee

    Payable each time you are in default. If you are in default because you did not make a repayment when due, the fee will only become payable if the overdue amount is $100 or more. Once payable, the fe…

    $35
  • Duplicate Fee

    Payable each time we provide you with a copy of any document we have already provided to you at your request including any statement of account.

    $16.50
  • Manual Redraw Fee

    Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking

    No fee
  • Online Redraw Fee

    Charged when completing a redraw online

    No fee
  • Variation Fee
    $250

When you close it or pay it off1

  • Discharge Administration Fee

    Payable: each time we provide a partial or full discharge or release of mortgage or security interest in respect of any Mortgaged Property; and when you repay your Loan Account balance in full.

    $350

Other fees1

  • Break Cost Fee

    Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under your Contract; • you repay your Loan Accou…

    From $0

Features

Offset accountRedrawExtra repayments
  • Monthly repayments
  • Split Loan

Eligibility and limits

  • Minimum age 18
  • Amount from $5,000, no maximum
  • Maximum LVR 95%
  • Credit and Lending Criteria, Fees and Charges Apply

Published by Connective Select under the Consumer Data Right, last changed by them on 9 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.