Home ownership comes with excitement and sometimes frustration, so it’s important to get sound advice when choosing the best value home loan for you.
Owner Occupied Loan Interest Rates
| Fixed term | Loan to Value Ratio (LVR) | Fixed Interest Rate | Comparison Rate * |
|---|---|---|---|
| 1 year | n/a | 6.29% p.a | 7.37% p.a* |
| 2 years | LVR less than or equal to 90% | 6.37% p.a | 7.28% p.a* |
| 3 years | LVR less than or equal to 90% | 6.47% p.a | 7.21% p.a* |
| 2 years | LVR greater than 90% | 6.57% p.a | 7.32% p.a* |
| 3 years | LVR greater than 90% | 6.67% p.a | 7.27% p.a* |
Rates effective from 23/01/2024.
Owner Occupied Loan Interest Rates
| Loan Amount | Variable Interest Rate + | Comparison Rate * |
|---|---|---|
| Greater than $50,000 | 7.45% p.a | 7.50% p.a* |
Rates effective from 23/01/2024.
Investment Loan Interest Rates
| Fixed Term < | Loan to Value Ratio (LVR) | Fixed Interest Rate + | Comparison Rate* |
|---|---|---|---|
| 1 year | n/a | 6.39% p.a | 7.88% p.a* |
| 2 years | LVR less than or equal to 90% | 6.49% p.a | 7.74% p.a* |
| 3 years | LVR less than or equal to 90% | 6.57% p.a | 7.63% p.a* |
| 2 years | LVR greater than 90% | 6.69% p.a | 7.78% p.a* |
| 3 years | LVR greater than 90% | 6.77% p.a | 7.69% p.a* |
Rates effective from 23/01/2024.
Investment Loan Interest Rates
| Loan Amount | Variable Interest Rate + | Comparison Rate * |
|---|---|---|
| $50,000 – $500,000 | 8.01% p.a | 8.06% p.a* |
| Over $500,500 | 7.87% p.a | 7.92% p.a* |
Rates effective from 23/01/2024.
Owner Occupied Loan Interest Rates
| Loan Amount | Variable Interest Rate + | Comparison Rate * |
|---|---|---|
| $250,000 + | 5.99% p.a. | 5.99% p.a* |
Rates effective from 23/01/2024.
| Loan to Value Ratio (LVR) | Variable Interest Rate^ | Comparison Rate * |
|---|---|---|
| Greater than $150,000 | 6.79% p.a | 6.84% p.a* |
| Loan to Value Ratio (LVR) | Variable Interest Rate^ | Comparison Rate * |
|---|---|---|
| LVR equal to or less than 80% | 6.99% p.a | 7.04% p.a* |
| LVR greater than 80% and equal to or less than 90% | 7.19% p.a | 7.24% p.a* |
| LVR greater than 90% | 7.39% p.a | 7.44% p.a* |
Rates effective from 23/01/2024.
| Interest type | Interest Rate + | Comparison Rate * |
|---|---|---|
| Variable Rate | 8.48% p.a + | 8.53% p.a |
| Fixed Rate 2 years | 7.09% p.a + | 8.23% p.a |
| Fixed Rate 3 years | 7.29% p.a + | 8.17% p.a |
Rates effective from 23/01/2024.
| Loan | Variable Interest Rate | Comparison Rate ** |
|---|---|---|
| Access Equity Home Loan | 9.05% p.a | 10.10% p.a ** |
Rates effective from 23/01/2024.
8.98% p.a.
Rate effective from 23/01/2024
Credit eligibility criteria, terms and conditions, fees and charges apply. The Capricornian Ltd. ABN 54 087 650 940. AFSL/Australian Credit License 246780.
Please note this information does not take into account your personal circumstances and is general advice only. Before opening any Capricornian account, please read the Conditions of Use and decide if the account is right for you. Interest rates are subject to change without notice and should be verified with your local Capricornian Branch.
*This comparison rate is based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might results in a different comparison rate.
**This comparison rate is based on a $30,000 loan over 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
The Capricornian Ltd’s Standard Variable Rate is 8.25%p.a. (comparison rate 8.30%)
The Capricornian Ltd’s Standard Variable Investment Rate is 8.82%p.a. (comparison rate 8.87%)
Establishment fees apply.
An increase margin of 0.50% will apply to interest only Owner Occupied variable and fixed rate loans.
An increase margin of 0.30% will apply to interest only Investment variable and fixed rate loans. Lenders Mortgage Insurance (LMI) is required for Interest Only loans where the loan is greater than 78% of the value of the security property.
Consider the relevant Target Market Determination (TMD).