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 18 October 2019 (terms and conditions available on request).

Loan Type

Interest Rate p.a.

Comparison Rate p.a.1

No Frills Owner Occupied Home Loan2 – Variable Rate LVR =< 80% 3.39%<3.42%
No Frills Owner Occupied Home Loan2 – Variable Rate LVR >80% and = <90% 3.59%<3.63%
No Frills Owner Occupied Home Loan2 – Variable Rate LVR >90%3.79%<3.83%
No Frills Investment Loan2 – Variable Rate LVR =< 80% 3.69%<3.72%
No Frills Investment Loan2 – Variable Rate LVR >80% and = <90% 3.89%<3.93%
No Frills Investment Loan2 – Variable Rate LVR >90% 4.09%<4.13%%
Premium Choice Home Loan – Variable Rate $50,000 – $250,0004.35%<4.39%
Premium Choice Home Loan – Variable Rate $250,001 – $500,0004.25%<4.29%
Premium Choice Home Loan – Variable Rate over $500,0004.15%<4.19%
Premium Choice Home Loan – Fixed Rate 2 Years LVR =<80%33.29%<4.19%
Premium Choice Home Loan – Fixed Rate 3 Years LVR =<80%33.40%<4.14%
Premium Choice Home Loan – Fixed Rate 2 Years LVR >80%33.50%<4.24%
Premium Choice Home Loan – Fixed Rate 3 Years LVR >80%33.60%<4.20%
Premium Choice Investment Loan – Variable Rate $50,000 – $250,0004.77%<4.81%
Premium Choice Investment Loan – Variable Rate $250,000 – $500,0004.67%<4.71%
Premium Choice Investment Loan – Variable Rate over $500,0004.57%<4.61%
Premium Choice Investment Loan – Fixed Rate 2 Years LVR =<80%33.60%<4.59%
Premium Choice Investment Loan – Fixed Rate 3 Years LVR =<80%33.70%<4.52%
Premium Choice Investment Loan – Fixed Rate 2 Years LVR >80%33.80%<4.63%
Premium Choice Investment Loan – Fixed Rate 3 Years LVR >80%33.90%<4.58%
Lifestyle Home Loan – Variable Rate4.68%4.72%
Lifestyle Home Loan – Fixed Rate 2 Years3.85%4.56%
Lifestyle Home Loan – Fixed Rate 3 Years4.00%4.54%
Access Equity Home Loan – Variable Rate5.40%6.10% 4
Mortgage Plus Home Loan5.18%

Interest only option available on No Frills, Premium Choice and Lifestyle loans. A margin of 0.50% will apply to interest only variable and fixed rate Owner Occupied Home Loans. A margin of 0.30% will apply to Interest Only variable and fixed rate Investment property 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 is based on a $150,000 loan over 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 The No Frills Owner Occupied Home Loan and Investment Loan offer available for new loans only or existing borrowers who apply for an increase in their existing Capricornian home or investment loan of $150,000 or more.
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 4.65% p.a. (comparison rate 4.69% p.a.)
** The Capricornian Ltd’s current Standard Variable Investment Rate is 5.17% p.a. (comparison rate 5.21% p.a.)

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