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 1 July 2018 (terms and conditions available on request).

Loan Type

Interest Rate p.a.

Comparison Rate p.a.1

Introductory Rate Home Loan2 – Variable Rate

Loan to valuation ratio equal to or less than 80%

Discounted Variable Interest Rate for the first 12 months then converting to a 0.25%
discount off the Standard Variable Rate*

 

3.99%

 

 

4.98%

 

Introductory Rate Investment Loan2 – Variable Rate

Loan to valuation ratio equal to or less than 80%

Discounted Variable Interest Rate for the first 12 months then converting to a 0.25%
discount off the Standard Variable Investment Rate**

 

4.40%

 

 

5.40%

 

Premium Choice Home Loan – Variable Rate $50,000 – $250,000 4.78%< 4.81%
Premium Choice Home Loan – Variable Rate $250,001 – $500,000 4.68%< 4.71%
Premium Choice Home Loan – Variable Rate over $500,000 4.58%< 4.61%
Premium Choice Home Loan – Fixed Rate 2 Years3 4.30%< 4.74%
Premium Choice Home Loan – Fixed Rate 3 Years3 4.40%< 4.73%
Premium Choice Investment Loan – Variable Rate $50,000 – $250,000 5.20%< 5.23%
Premium Choice Investment Loan – Variable Rate $250,000 – $500,000 5.10%< 5.13%
Premium Choice Investment Loan – Variable Rate over $500,000 5.00%< 5.03%
Premium Choice Investment Loan – Fixed Rate 2 Years3 4.60%< 5.14%
Premium Choice Investment Loan – Fixed Rate 3 Years3 4.70%< 5.13%
Lifestyle Home Loan – Variable Rate 5.28% 5.31%
Lifestyle Home Loan – Fixed Rate 2 Years 4.70% 5.23%
Lifestyle Home Loan – Fixed Rate 3 Years 4.85% 5.22%
Access Equity Home Loan – Variable Rate 6.03% 7.29% 4
Mortgage Plus Home Loan 5.78%

 

Interest only option available on Premium Choice and Lifestyle loans. A margin of 0.30% will apply to interest only variable and fixed rate loans.

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 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 5.28% p.a. (comparison rate 5.31% p.a.)
** The Capricornian Ltd’s current Standard Variable Investment Rate is 5.70% p.a. (comparison rate 5.73% p.a.)

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