More For Your New Beginning
Whether you’re buying your next home or thinking about refinancing, The Capricornian Bank would like to help put a little extra money back in your pocket.
Receive a cashback1 to spend however you choose, whether it’s to help cover moving costs, or make improvements to your new home, or even to fill your home with furniture and home decor.
Let’s Talk Cashback Options
To qualify for the above cashback offer, applicants are required to meet the below:
$1,000 Cashback: applies to new loans from $250,000 – $499,999
$2,000 Cashback: applies to new loans from $500,000 – $749,999
$4,000 Cashback: applies to new loans from $750,000 or above
Who is Eligible?
✔️ Applications must be received between 17 July – 17 August 2026.
✔️ Eligible loans must settle by 31 October 2026.
✔️ Cashback is available on eligible new 2-year fixed rate home loans only^.
✔️ Applicants must hold (or open) a Capricornian Bank Access Account in the same name(s) as the home loan.
✔️ Cashback will be paid into the nominated Capricornian Bank Access Account within 60 days of settlement.
✔️ Home loan repayments must be direct debited from this Access Account for at least 60 days following settlement.
✔️ The Access Account must remain open for a minimum of 60 days after settlement
Ready to Get Started?
Speak with one of our local lending specialists today to see whether this offer is right for you.
Please review the Conditions of Use, relevant Target Market Determination (TMD), Product Fees and Charges before acquiring our products.
Frequently Asked Questions
How much cashback can I receive?
Eligible borrowers can receive up to $4,000 cashback after settlement, dependant on your loan approval.
Limit of one cashback per member, regardless of the number of loans involved (if there is more than one individual borrower, only one Cashback will be made to those joint borrowers, and all borrowers are deemed to have received the Cashback.)
Does this apply to refinances?
Can I get this cashback offer on any home loan?
The cashback offer is only available on eligible new 2-year fixed rate home loans.
Can first home buyers apply?
Yes, provided the loan meets the offer requirements.
When will I receive my cashback?
Cashback will be paid within 60 days of settlement
Can I apply through a Broker?
No, this offer is only available for eligible home loans applied for directly with the lenders of The Capricornian Bank.
The Fine Print
Credit eligibility criteria, terms and conditions, fees and charges apply. Please review the Conditions of Use, relevant Target Market Determination (TMD), Product Fees and Charges before acquiring our products.
The Capricornian Ltd trading as the Capricornian Bank ABN 54 087 650 940. AFSL/Australian Credit Licence 246780.
1 Exclusions Apply: Cashback available on 2-year fixed products, under 80% LVR only. Offer available to direct loans only. Cashback cannot be included as a saving deposit for LMI purposes. This cashback offer is available to Australian residents only. Limit of one cashback per member, regardless of the number of loans involved (if there is more than one individual borrower, only one Cashback will be made to those joint borrowers, and all borrowers are deemed to have received the Cashback.)
^2-year eligible loans include The Capricornian Bank’s Premium Choice or Lifestyle Loan.
Applicants must open/have a Capricornian Bank Access Account in the same name/s as the home loan account. The cashback will be paid into The Capricornian Bank Access Account within 60 days of settlement. Applicant’s home loan repayments must be directly debited from this transaction account for the minimum 60-day duration. The Capricornian Bank Access account must be kept open for at least 60 days after settlement.