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Current rates

Choose fixed or variable.

Compare the current Fixed Rate and Variable Rate options across terms from 6 months to 10 years.

Minimum investment: $100,000

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Current range
7.70% – 9.70% p.a.
Available terms
6 months – 10 years
Minimum investment
$100,000
Rate type
Fixed for your selected term

Available terms and current rates

Rates shown are current for new applications and are subject to applicable terms and conditions.

Variable rate

RBA cash rate + a fixed premium.

The Variable Rate option combines the Reserve Bank of Australia official cash rate with a fixed premium based on your selected investment term.

The premium remains fixed for your term. The RBA component changes when the official cash rate changes, which means your total interest rate can move up or down during the investment term.

The premium is fixed. The RBA component can move.

Illustrative current rate · 24-month term

Current RBA official cash rate4.60%
Fixed premium3.00%
Current variable rate7.60% p.a.

Based on the RBA official cash rate current as at 30 September 2026. Variable rates can move up or down if the RBA official cash rate changes.

The Reserve Bank of Australia is not associated with or responsible for VERIFIED™ Facilities. References to the RBA official cash rate are solely for determining the variable interest rate.

Compare

Fixed and variable at a glance.

Feature Fixed Rate Variable Rate
Rate structureFixed for selected termRBA official cash rate + fixed premium
Rate changes during termNo, subject to termsYes, when the RBA official cash rate changes
PremiumN/AFixed for selected term
Terms6 months–10 years6 months–10 years
Minimum$100,000$100,000

Variable rates can move up or down if the RBA official cash rate changes.

Compare

Compare available terms

Longer investment terms currently offer higher fixed rates. Review each available term before deciding which option is appropriate for you.

  1. 6M6 months 7.70%
  2. 12M1 year 7.95%
  3. 24M2 years 8.60%
  4. 36M3 years 8.95%
  5. 60M5 years 9.25%
  6. 120M10 years 9.70%

Investment calculator

See what your investment could earn.

Use the VERIFIED™ Facilities calculator to explore indicative returns across different investment amounts and terms.

Calculate Returns

How it works

Understanding your term and rate

  1. 1

    Choose your investment amount

    The minimum investment in VERIFIED™ Facilities are $100,000.

  2. 2

    Select your term

    Choose from available terms ranging from 6 months to 120 months.

  3. 3

    Your applicable rate

    Your investment receives the rate applicable to the selected term, subject to the relevant facility terms and documentation.

Investment horizons

A range of terms for different investment horizons

Different investors have different liquidity requirements and investment horizons. VERIFIED™ Facilities provide a choice of terms, allowing investors to consider the balance between investment duration and the rate available.

Shorter term

6–12 months

For investors considering shorter investment horizons.

7.70% – 7.95% p.a.

Medium term

24–36 months

For investors prepared to commit capital for a longer period.

8.60% – 8.95% p.a.

Longer term

60–120 months

Longer investment periods with the highest current rates available within the facility.

9.25% – 9.70% p.a.

Capital with purpose

Fixed income supporting businesses with global audiences.

Capital raised through VERIFIED™ Facilities supports the growth and development of businesses, assets and globally scalable platforms.

Explore Features

FAQs

Questions about rates.

View all FAQs

Are the rates fixed?

Yes. The rate applicable to your investment is fixed for the term you select, subject to the relevant facility terms and documentation.

Can rates change?

Rates offered for new investments may change from time to time. The applicable rate will be confirmed during the investment process.

What is the minimum investment?

The minimum investment is $100,000.

VERIFIED™ Facilities

Ready to explore VERIFIED™ Facilities?

Request the brochure for further information or begin your application online.

Apply Now Request Brochure
Calculate Returns