3 Year Introductory Rate Home Loan

Variable - Loan to valuation ratio equal to or less than 90%2
Interest rate
3.89 % p.a1
Comparison rate
4.75 % p.a*

Interest rates effective 1 February 2019.

1Discounted variable rate applies for first 36 months converting to a variable rate with a 0.25% discount off our Standard Variable Rate. 2Lenders Mortgage Insurance is required where the loan is greater than 80% of the security property.  This may vary based on the size and location of the property.

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 may result in a different comparison rate. 


As we grow our needs change.  When making your biggest financial decision, trust a local with foundations built over 60 years.  Get a head start on your home loan with a low introductory variable interest rate for the first 3 years. We want to make the early years as easy as possible while you get used to regular payments and budgeting. At the end of the 3 year term, the loan will convert to a variable rate with a 0.25% discount off our Standard Variable Rate.

Features and Benefits:

  • Suitable for First Home Buyers or those looking to refinance from another lender
  • Discounted variable interest rate for the first 36 months1
  • Additional repayments without penalty
  • Free online and mobile banking redraws

Key Features:

Available to Individuals, Companies and Trusts
Owner Occupied Yes
Construction Loan Not Available
Minimum loan amount $50,000
Maximum loan amount 90% of the property value2
Loan Period Up to 30 years
Repayments Monthly / Fortnightly / Weekly
Additional Repayments Yes without penalty
Redraw Facility Yes
Application Fee $400
Monthly Fee No
Mortgage Offset Account No
Loan Repayment Insurance Available
Eligibility New Loans Only

Fees and Charges

How to get your Home Loan approved quickly


Lending criteria, terms and conditions, fees and charges apply. The Capricornian reserves the right to withdraw or alter this offer at any time.