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Offset vs Redraw Home Loan 6 minute read

Home Loan Comparison: Offset vs Redraw

Ever wondered why two home owners with similar loans can end up paying very different amounts of interest? The answer often lies in how they use offset accounts and redraw facilities. These two features might sound technical, yet understanding them can make a noticeable difference to the total cost of your home and how quickly […]

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Refinance home loan 7 minute read

What is a Refinance Home Loan? Benefits, Process and When it Makes Sense

Did you know that Australians who go ahead with refinancing save, on average, around $1,524 each year? Over just three years, that can add up to more than $4,500 back in your pocket, money that could fund a family holiday, upgrade the car, or boost your emergency savings. So, what is refinance home loan all […]

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1 minute read

Corporate Partnership – Fitzroy Frogs, The Capricornian Bank Rocky Triathlon 2025

The Capricornian Bank was ecstatic to support the Fitzroy Frogs for the fifth year in a row, providing corporate sponsorship and staff volunteers for the aptly named ‘The Capricornian Bank Rocky Triathlon’, held on 16 March 2025.  The Fitzroy Frogs Triathlon motto – “Reasons are Personal, Effort is Shared, Results are Celebrated”, is a great […]

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2 minute read

Exciting News: Our Gladstone Branch Has Relocated!

A New, Central Location Our branch is now located at 52b Goondoon Street, right in the heart of the Gladstone CBD. We’re next door to the Gladstone Entertainment Convention Centre (GECC) and directly across from the Gladstone Regional Council Library. It’s an easy-to-find, convenient location where we can continue to offer the same exceptional service […]

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5 minute read

Decisions decisions… Fixed-rate vs variable home loan rate

Amid growing predictions of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now. Home loans come in all shapes and sizes. A common thread is […]

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2 minute read

A Fresh New Look for Your Capricornian Visa Card!

The Capricornian Bank is proudly launching new look Visa Debit cards, now with improved accessibility and a construction of 90% recycled materials. At The Capricornian Bank, we’re always striving to improve products and services while staying true to our vision of providing ‘quality financial services… now and for future generations’. About the changeover As part […]

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8 minute read

Secured vs Unsecured Personal Loan – A Clear Guide for Everyday Borrowing

Choosing the right personal loan can support important goals, from managing expenses to funding projects that improve your lifestyle. Understanding how secured and unsecured loans work helps you compare options with confidence. Each loan type has different features, levels of flexibility, and interest rate considerations, so it helps to look at how they fit your […]

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4 minute read

Using Offset Accounts to Pay Off Your Home Loan Faster

Did you know that Australian homeowners with mortgages pay an average of $4,000 a month in housing costs, while renters pay around $650 per week? With rising living expenses, balancing these payments can make the path to financial freedom feel daunting. Many Australians find themselves navigating high mortgage payments, often unsure of how long it […]

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5 minute read

The Pros and Cons of Using Personal Loans for Debt Consolidation

In 2019-20, 75% of Australian households had debt, according to the Australian Bureau of Statistics (ABS). For many, juggling numerous debts can be stressful and financially exhausting. Debt consolidation provides a possible answer by merging your debts into one loan, which simplifies repayments and may reduce interest rates. A personal loan is one of the […]

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