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Connective Athena home loan rates

Connective Athena's lowest advertised variable rate for a home you live in and pay down is 6.04%, read Wednesday 23 September. That is 0.20 points above the going rate of 5.84% across every lender. Its lowest fixed rate is 6.69%, fixed for one year.

144 advertised rates across 11 products, published by Connective Athena under the Consumer Data Right. Last read Wednesday 23 September, this morning. No lender pays to be listed.

Where it sits

6.04% Connective Athena, lowest variable rate open to anyone

5.84% The going rate

0.20 points above the going rate

The going rate is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Using the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody could get.

Both figures are advertised rates for a new customer. The discount a broker negotiates is published nowhere and is not in either number. Read your own rate against this.

Lowest variable rate, open to anyone: 6.04%
Lowest fixed rate: 6.69%, one year
Lowest comparison rate: 6.06%
Rates published: 144, across 11 products
Last rate move: Tuesday 22 September
Last read: Wednesday 23 September

For a home you live in and pay down. The other loan types are in the tables below.

Owner-occupied, principal and interest

Product	Type	LVR	Rate	Comparison
Connective Athena Prime Max Bundle (With Offset)	variable	0–50%	6.04%	6.30%
Connective Athena Prime Max Bundle (Without Offset)	variable	0–50%	6.04%	6.06%
Connective Athena Prime Max Bundle (With Offset)	variable	50.01–60%	6.09%	6.35%
Connective Athena Prime Max Bundle (Without Offset)	variable	50.01–60%	6.09%	6.11%
Connective Athena Prime Max Bundle (With Offset)	variable	60.01–70%	6.14%	6.40%
Connective Athena Prime Max Bundle (Without Offset)	variable	60.01–70%	6.14%	6.16%
Connective Athena Prime Max (With Offset)	variable	0–50%	6.19%	6.45%
Connective Athena Prime Max Bundle (With Offset)	variable	70.01–80%	6.19%	6.45%
Connective Athena Prime Max Bundle (Without Offset)	variable	70.01–80%	6.19%	6.21%
Connective Athena Prime Max (Without Offset)	variable	0–50%	6.19%	6.21%
Connective Athena Prime Max (With Offset)	variable	50.01–60%	6.24%	6.50%
Connective Athena Prime Max (Without Offset)	variable	50.01–60%	6.24%	6.26%
Connective Athena Prime Max (With Offset)	variable	60.01–70%	6.29%	6.55%
Connective Athena Prime Max (Without Offset)	variable	60.01–70%	6.29%	6.31%
Connective Athena Prime Max (With Offset)	variable	70.01–80%	6.34%	6.60%
Connective Athena Prime Max (Without Offset)	variable	70.01–80%	6.34%	6.36%
Connective Athena Prime Max Fixed	fixed 1y	0–50%	6.69%	6.26%
Connective Athena Prime Max Fixed	fixed 1y	50.01–60%	6.74%	6.31%
Connective Athena Prime Max Fixed	fixed 2y	0–50%	6.74%	6.32%
Connective Athena 85% No LMI	variable	80.01–85%	6.74%	6.79%
Connective Athena Prime Max Fixed	fixed 1y	60.01–70%	6.79%	6.37%
Connective Athena Prime Max Fixed	fixed 2y	50.01–60%	6.79%	6.37%
Connective Athena Prime Max Fixed	fixed 3y	0–50%	6.79%	6.39%
Connective Athena Prime Max Fixed	fixed 1y	70.01–80%	6.84%	6.42%
Connective Athena Prime Max Fixed	fixed 2y	60.01–70%	6.84%	6.42%
Connective Athena Prime Max Fixed	fixed 3y	50.01–60%	6.84%	6.44%
Connective Athena Prime Max Fixed	fixed 2y	70.01–80%	6.89%	6.47%
Connective Athena Prime Max Fixed	fixed 3y	60.01–70%	6.89%	6.49%
Connective Athena Prime Max Fixed	fixed 3y	70.01–80%	6.94%	6.54%
Connective Athena 85% No LMI	variable	80.01–85%	6.94%	6.99%

Owner-occupied, interest only

Product	Type	LVR	Rate	Comparison
Connective Athena Prime Max Bundle (With Offset)	variable	50.01–60%	6.29%	6.41%
Connective Athena Prime Max Bundle (With Offset)	variable	0–50%	6.29%	6.39%
Connective Athena Prime Max Bundle (Without Offset)	variable	50.01–60%	6.29%	6.20%
Connective Athena Prime Max Bundle (Without Offset)	variable	0–50%	6.29%	6.17%
Connective Athena Prime Max Bundle (With Offset)	variable	60.01–70%	6.34%	6.46%
Connective Athena Prime Max Bundle (Without Offset)	variable	60.01–70%	6.34%	6.25%
Connective Athena Prime Max Bundle (With Offset)	variable	70.01–80%	6.39%	6.51%
Connective Athena Prime Max Bundle (Without Offset)	variable	70.01–80%	6.39%	6.30%
Connective Athena Prime Max (With Offset)	variable	50.01–60%	6.44%	6.56%
Connective Athena Prime Max (With Offset)	variable	0–50%	6.44%	6.54%
Connective Athena Prime Max (Without Offset)	variable	50.01–60%	6.44%	6.35%
Connective Athena Prime Max (Without Offset)	variable	0–50%	6.44%	6.32%
Connective Athena Prime Max (With Offset)	variable	60.01–70%	6.49%	6.62%
Connective Athena Prime Max (Without Offset)	variable	60.01–70%	6.49%	6.40%
Connective Athena Prime Max (With Offset)	variable	70.01–80%	6.54%	6.66%
Connective Athena Prime Max (Without Offset)	variable	70.01–80%	6.54%	6.45%
Connective Athena Prime Max Fixed	fixed 1y	50.01–60%	6.94%	6.33%
Connective Athena Prime Max Fixed	fixed 1y	70.01–80%	6.94%	6.42%
Connective Athena Prime Max Fixed	fixed 1y	0–50%	6.94%	6.29%
Connective Athena Prime Max Fixed	fixed 1y	60.01–70%	6.94%	6.38%
Connective Athena Prime Max Fixed	fixed 2y	50.01–60%	6.99%	6.41%
Connective Athena Prime Max Fixed	fixed 2y	70.01–80%	6.99%	6.49%
Connective Athena Prime Max Fixed	fixed 2y	60.01–70%	6.99%	6.45%
Connective Athena Prime Max Fixed	fixed 2y	0–50%	6.99%	6.37%
Connective Athena 85% No LMI	variable	80.01–85%	6.99%	6.90%
Connective Athena Prime Max Fixed	fixed 3y	60.01–70%	7.04%	6.52%
Connective Athena Prime Max Fixed	fixed 3y	50.01–60%	7.04%	6.49%
Connective Athena Prime Max Fixed	fixed 3y	70.01–80%	7.04%	6.56%
Connective Athena Prime Max Fixed	fixed 3y	0–50%	7.04%	6.45%
Connective Athena 85% No LMI	variable	80.01–85%	7.19%	7.10%

Investment, principal and interest

Product	Type	LVR	Rate	Comparison
Connective Athena Prime Max (With Offset)	variable	0–50%	6.24%	6.50%
Connective Athena Prime Max (Without Offset)	variable	0–50%	6.24%	6.26%
Connective Athena Prime Max (With Offset)	variable	50.01–60%	6.29%	6.55%
Connective Athena Prime Max (Without Offset)	variable	50.01–60%	6.29%	6.31%
Connective Athena Prime Max (With Offset)	variable	60.01–70%	6.34%	6.60%
Connective Athena Prime Max (Without Offset)	variable	60.01–70%	6.34%	6.36%
Connective Athena Prime Max (With Offset)	variable	70.01–80%	6.39%	6.65%
Connective Athena Prime Max (Without Offset)	variable	70.01–80%	6.39%	6.41%
Connective Athena Special Purpose (Full Doc)	variable	0–50%	6.54%	6.64%
Connective Athena Special Purpose (Full Doc)	variable	50.01–60%	6.59%	6.69%
Connective Athena Special Purpose (Full Doc)	variable	60.01–70%	6.64%	6.74%
Connective Athena Special Purpose (Full Doc)	variable	70.01–80%	6.69%	6.79%
Connective Athena Prime Max Fixed	fixed 1y	0–50%	6.79%	6.28%
Connective Athena Prime Max Fixed	fixed 1y	50.01–60%	6.84%	6.33%
Connective Athena Prime Max Fixed	fixed 2y	0–50%	6.84%	6.34%
Connective Athena Prime Max Fixed	fixed 1y	60.01–70%	6.89%	6.38%
Connective Athena Prime Max Fixed	fixed 2y	50.01–60%	6.89%	6.39%
Connective Athena Prime Max Fixed	fixed 3y	0–50%	6.89%	6.41%
Connective Athena Prime Max Fixed	fixed 2y	60.01–70%	6.94%	6.44%
Connective Athena Prime Max Fixed	fixed 3y	50.01–60%	6.94%	6.46%
Connective Athena Prime Max Fixed	fixed 1y	70.01–80%	6.99%	6.43%
Connective Athena Prime Max Fixed	fixed 3y	60.01–70%	6.99%	6.51%
Connective Athena 85% No LMI	variable	80.01–85%	6.99%	7.04%
Connective Athena Prime Max Fixed	fixed 2y	70.01–80%	7.04%	6.50%
Connective Athena Prime Max Fixed	fixed 3y	70.01–80%	7.09%	6.58%
Connective Athena Special Purpose (Full Doc)	variable	80.01–85%	7.14%	7.24%
Connective Athena 85% No LMI	variable	80.01–85%	7.19%	7.24%
Connective Athena Special Purpose (Full Doc)	variable	80.01–85%	7.34%	7.44%

Investment, interest only

Product	Type	LVR	Rate	Comparison
Connective Athena Prime Max (With Offset)	variable	0–50%	6.39%	6.54%
Connective Athena Prime Max (Without Offset)	variable	0–50%	6.39%	6.33%
Connective Athena Prime Max (With Offset)	variable	50.01–60%	6.44%	6.59%
Connective Athena Prime Max (Without Offset)	variable	50.01–60%	6.44%	6.38%
Connective Athena Prime Max (With Offset)	variable	60.01–70%	6.49%	6.64%
Connective Athena Prime Max (Without Offset)	variable	60.01–70%	6.49%	6.43%
Connective Athena Prime Max (With Offset)	variable	70.01–80%	6.54%	6.69%
Connective Athena Prime Max (Without Offset)	variable	70.01–80%	6.54%	6.48%
Connective Athena Special Purpose (Full Doc)	variable	0–50%	6.64%	6.67%
Connective Athena Special Purpose (Full Doc)	variable	50.01–60%	6.69%	6.72%
Connective Athena Special Purpose (Full Doc)	variable	60.01–70%	6.74%	6.78%
Connective Athena Special Purpose (Full Doc)	variable	70.01–80%	6.79%	6.82%
Connective Athena Prime Max Fixed	fixed 1y	50.01–60%	6.94%	6.33%
Connective Athena Prime Max Fixed	fixed 1y	0–50%	6.94%	6.29%
Connective Athena Prime Max Fixed	fixed 1y	60.01–70%	6.99%	6.38%
Connective Athena Prime Max Fixed	fixed 2y	50.01–60%	6.99%	6.41%
Connective Athena Prime Max Fixed	fixed 2y	0–50%	6.99%	6.37%
Connective Athena Prime Max Fixed	fixed 1y	70.01–80%	7.04%	6.44%
Connective Athena Prime Max Fixed	fixed 2y	60.01–70%	7.04%	6.46%
Connective Athena Prime Max Fixed	fixed 3y	50.01–60%	7.04%	6.49%
Connective Athena Prime Max Fixed	fixed 3y	0–50%	7.04%	6.45%
Connective Athena Prime Max Fixed	fixed 2y	70.01–80%	7.09%	6.51%
Connective Athena Prime Max Fixed	fixed 3y	60.01–70%	7.09%	6.54%
Connective Athena Prime Max Fixed	fixed 3y	70.01–80%	7.14%	6.59%
Connective Athena 85% No LMI	variable	80.01–85%	7.14%	7.11%
Connective Athena Special Purpose (Full Doc)	variable	80.01–85%	7.29%	7.30%
Connective Athena 85% No LMI	variable	80.01–85%	7.34%	7.31%
Connective Athena Special Purpose (Full Doc)	variable	80.01–85%	7.49%	7.50%

Restricted to particular groups

Product	Who it is for	Rate
Connective Athena Lite Doc	a particular group only, per its published conditions	6.74%
Connective Athena Special Purpose (Lite Doc)	a particular group only, per its published conditions	6.94%
Connective Athena Bridging with No End Debt	a particular group only, per its published conditions	8.44%
Connective Athena Bridging with End Debt	a particular group only, per its published conditions	9.14%

The data says a product is restricted. It never says whether you would get it. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

Connective Athena last moved a rate on Tuesday 22 September. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 90 lenders with a variable rate anyone could take for a home you live in and pay down, 33 publish a lower one than Connective Athena's 6.04%. The nearest either side:

Apollo 6.04%
Auswide Bank Ltd 6.04%
Connective Athena 6.04%
ING BANK (Australia) Ltd 6.04%
Macquarie Bank Limited 6.04%

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Connective Athena told you, it is usually one of these.

The published data is wrong

Connective Athena publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Connective Athena
ABN: 24619536506
Product Reference Data endpoint: https://connective.athena.com.au/
Data read from that endpoint on: Tuesday 22 September
Rate lines published at that time: 144

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.

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The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.

Building something with this? There is an API, and the data is free.

This morning: variable rates, fixed rates and what moved this week.

Found in the data: what lenders charge above 80%, the rate a fixed loan rolls onto, what a comparison rate adds and what an offset costs.