As you are not providing so much information regarding how to join the three tables, I will guess you want an INNER JOIN, so only the records that match the join criteria will be shown.
SQL> SELECT t1.t1_id, t2.t2_id, t3.t3_id
FROM t1
inner join t2 on ( nvl(t1.reference,'XX') = nvl(t2.reference,'XX') )
inner join t3 on ( nvl(t1.reference,'XX') = nvl(t3.reference,'XX') )
I am using INNER JOIN to get only the records that match the criteria where reference is the same in the three tables. To avoid nulls, which I don't know are possible as you don't say anything regarding that, I use NVL to avoid a problem with those. Keep in mind the differences between a FULL JOIN or a INNER JOIN. For that, please read the following article:
Inner Join vs Full join