Home loans in your home town
Buying or building a home is a big deal, and it can be exciting and a bit stressful too. That’s why it’s important to get good advice when choosing a home loan that suits you best. At The Capricornian, we offer home loans that are approved locally, so you can chat with one of our friendly lending specialists right in your hometown about your options.
We have a range of home loans to suit your needs
Rates effective from 16/06/2025.
Our Range of Home Loans
Lifestyle Home Loan
Perfect for those looking to buy a rural property up to 100 Hectares, whether you’re living in it or investing. You can choose between fixed or variable interest rates, make extra repayments without any penalties1, and enjoy a 100% offset facility.
Access Equity Home Loan
This loan lets you unlock equity in your property for a specific purpose.
Mortgage Plus (Line of Credit)
Improve your lifestyle by unlocking your home’s equity. This option is available for both owner-occupied and investment properties, and you can make withdrawals up to the facility limit.
No Frills Home Loan
A simple, variable interest rate home loan to get you moving. You can make extra repayments without penalty1.
Variable Rate Offset (Country to Coast) Home Loan
Designed with owner-occupiers in mind, this loan offers a sharp variable rate, 100% offset facility4, and no penalty for extra repayments. The standard establishment fee of $600 is waived2.
Premium Choice Home Loan
Packed with features, this loan offers fixed or variable interest rate options, allows extra repayments without penalty1, and provides a 100% offset facility.
Credit eligibility criteria, terms and conditions, fees and charges apply. The Capricornian Ltd. ABN 54 087 650 940. AFSL/Australian Credit Licence 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 result in a different comparison rate.
Establishment fees apply.
1 Additional repayment options available for variable interest rate. Maximum additional repayments up to $10,000 in any twelve (12) month period apply to fixed rate loans without penalty. Redraw is not available on fixed rate loan options.
Variable Rate Offset (Country to Coast) Home Loan:
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.
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. 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.
4 One Offset Account available per eligible loan only.
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.
