Home Loan Rates

To view more information on the about The Capricornian’s Home Loan products, select the link below.

Home Loans

Interest Rates effective from the 10 June 2019 (terms and conditions available on request).

Loan Type

Interest Rate p.a.

Comparison Rate p.a.1

3 Year Introductory Rate Home Loan2 – Variable Rate

Loan to valuation ratio equal to or less than 80%

Loan to valuation ratio equal to or less than 90%

Discounted Variable Interest Rate for the first 36 months then converting to a 0.25%
discount off the Standard Variable Rate**

3.79%

3.89%

4.55%

4.59%

3 Year Introductory Rate Investment Loan2 – Variable Rate

Loan to valuation ratio equal to or less than 80%

Loan to valuation ratio equal to or less than 90%

Discounted Variable Interest Rate for the first 36 months then converting to a 0.25%
discount off the Standard Variable Investment Rate**

3.89%

4.19%

4.89%

4.97%

Premium Choice Home Loan – Variable Rate $50,000 – $250,000 4.63%< 4.67%
Premium Choice Home Loan – Variable Rate $250,001 – $500,000 4.53%< 4.57%
Premium Choice Home Loan – Variable Rate over $500,000 4.43%< 4.47%
Premium Choice Home Loan – Fixed Rate 2 Years LVR =<80%3 3.99%< 4.55%
Premium Choice Home Loan – Fixed Rate 3 Years LVR =<80%3 4.10%< 4.53%
Premium Choice Home Loan – Fixed Rate 2 Years LVR >80%3 4.20%< 4.59%
Premium Choice Home Loan – Fixed Rate 3 Years LVR >80%3 4.30%< 4.59%
Premium Choice Investment Loan – Variable Rate $50,000 – $250,000 5.05%< 5.09%
Premium Choice Investment Loan – Variable Rate $250,000 – $500,000 4.95%< 4.99%
Premium Choice Investment Loan – Variable Rate over $500,000 4.85%< 4.89%
Premium Choice Investment Loan – Fixed Rate 2 Years LVR =<80%3 4.30%< 4.95%
Premium Choice Investment Loan – Fixed Rate 3 Years LVR =<80%3 4.40%< 4.91%
Premium Choice Investment Loan – Fixed Rate 2 Years LVR >80%3 4.50%< 4.99%
Premium Choice Investment Loan – Fixed Rate 3 Years LVR >80%3 4.60%< 4.97%
Lifestyle Home Loan – Variable Rate 5.03% 5.07%
Lifestyle Home Loan – Fixed Rate 2 Years 4.50% 4.97%
Lifestyle Home Loan – Fixed Rate 3 Years 4.65% 4.96%
Access Equity Home Loan – Variable Rate 5.78% 6.49% 4
Mortgage Plus Home Loan 5.53%

Interest only option available on Premium Choice, 3 Year Introductory Rate Investment Loan and Lifestyle loans. A margin of 0.30% will apply to interest only variable and fixed rate loans. Lenders Mortgage Insurance is required for Interest Only loans where the loan is greater than 78% of the value of the security property.

1 Comparison rate calculated for a home loan of $150,000 with monthly repayments over a term of 25 years.
WARNING: The 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.
2 Introductory Rate Home and Investment Loan offer available for new loans only.
3 At conclusion of the fixed rate period, the loan converts to the Premium Choice Home / Investment Loan Variable Rate applicable to the loan amount at funding.
4 Comparison rate calculated on a secured loan of $30,000 over 5 years.
WARNING: The 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.
* The Capricornian Ltd’s current Standard Variable Rate is 5.03% p.a. (comparison rate 5.07% p.a.)
** The Capricornian Ltd’s current Standard Variable Investment Rate is 5.55% p.a. (comparison rate 5.60% p.a.)

< An interest margin may apply based on the size and location of the security property.