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Rates effective from 27/05/2024.

Credit eligibility criteria, terms and conditions, fees and charges apply. The Capricornian Ltd. ABN 54 087 650 940. AFSL/Australian Credit Licence 246780.

Fixed Rate: Premium Choice Home Loan

*This comparison rate is based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

1 Application fees apply. Additional repayments up to $10,000 without penalty in any twelve (12) month period. Applicable to fixed rate loans only.

In branch staff assisted redraw fee of $30 applies. Redraw is not available on fixed rate loan options.

+ Lenders Mortgage Insurance (LMI) is required where the loan is greater than 80% of the value of the security property. This may vary based on the size and location of the property.

^ 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.

 #Fixed Rate Lock Fee allows you to secure a guaranteed fixed interest rate to protect you against potential interest rate increases that may occur during the settlement period of your loan. The Fee is 0.15% of the amount of credit or a minimum of $395. The fee will guarantee the Interest rate up to 60 days from the date of the Offer and Loan Contract.

< At conclusion of the fixed rate period, the loan converts to the Premium Choice Home Loan Variable Rate applicable to the loan amount at funding.

Variable Rate Offset (Country to Coast) Home Loan:

*This comparison rate is based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

4 One Offset Account available per loan only.

3 Account Service Fee Exemptions on Access Accounts where first account is exempt for eligible members who possess an active Variable Rate Offset (Country to Coast) Home Loan. $6.00 per month subsequent accounts on Personal Access, $10 per month subsequent on Business Access Accounts. Card replacement fees, event fees, contract variation fees, discharge fees, and arrears fees will apply. Please see our Fees and Charges for full list of applicable account fees.

2 A construction valuation fee may be applicable. If there are multiple securities in relation to the property, additional Valuation Fees will apply. Please see our Fees and Charges for full list of fees.

+ Lenders Mortgage Insurance (LMI) is required where the loan is greater than 80% of the value of the security property. Max. loan amount up to 95% of the property value. This may vary based on the size and location of the property.

^ An increase margin of 0.30% will apply to interest only Owner Occupied variable 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.

Variable Rate Offset (Country to Coast) Home Loan not applicable for rural property over eight (8) hectares. Please refer to our Lifestyle Home Loan as an alternative.

Consider the relevant Target Market Determination (TMD).

Why Choose The Capricornian?

We’re a local credit union, and we understand the needs of our community. When you choose us for your home loan, you’re not just getting a financial product; you’re getting a partner who’s invested in your success. So, whether you’re buying your first home, upgrading to a bigger one, or investing in property, The Capricornian has a home loan solution that’s right for you. Get in touch with us today to discuss your options and take the first step towards owning your dream home.

Find the right home loan for you.

Learn more about home loans

Lorraine Shaw – Long-term Member, Rockhampton

I would like to take this opportunity to sincerely thank The Capricornian for their assistance recently with the purchase of my new home. I have been a member for close on 40 years and have never faulted them on the services they provide. Lauren and her team at Stockland are always ready and keen to assist me in any possible way. I would highly recommend The Capricornian to anyone requiring financial assistance.

Lorraine Shaw – Long-term Member, Rockhampton