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The Capricornian home loans

The Capricornian
The Capricornian's overall rating for home loans

(as rated by the Mozo community)

8.0 / 10

based on 1 reviews

For more than 60 years the Capricornian has been offering a range of a range of banking products, including competitive home loans. Plus, as a community owned bank, all profit made by The Capricornian is reinvested back into the company to improve products, services, knowledge and customer experience.

Rates and fees verified as correct at 08 December, 2019. Other information correct at the time of writing.

What home loans do The Capricornian offer?

Fixed Rate Home Loans Fixed Rate Home Loans

If you’re looking for the comfort of knowing your interest rate is locked in for a set time, then a fixed rate home loan with The Capricornian could be for you. Available for owner-occupiers and investors, the loans have terms up to 3 years and you can choose either a weekly, fortnightly or monthly repayment schedule plus make unlimited extra repayments.

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

3.90% p.a.

4.63% p.a.

$0.00

$500

4.10% p.a.

4.68% p.a.

$0.00

$500

3.40% p.a.

4.14% p.a.

$0.00

$500

3.60% p.a.

4.19% p.a.

$0.00

$500

4.00% p.a.

4.82% p.a.

$0.00

$500

4.20% p.a.

4.87% p.a.

$0.00

$500

3.70% p.a.

4.52% p.a.

$0.00

$500

3.90% p.a.

4.57% p.a.

$0.00

$500

4.50% p.a.

5.03% p.a.

$0.00

$500

4.00% p.a.

4.53% p.a.

$0.00

$500


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Variable Rate Home Loans Variable Rate Home Loans

From the 3 Year Introductory Rate to the standard home loan, The Capricornian has a range of variable home loans for borrowers who want flexibility. Not only can you make additional repayments, you also have access to fee free redraws. The Premium Choice and Lifestyle home loans also comes with a 100% offset account to help save on the interest.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

5.18% p.a.

5.22% p.a.

$0.00

$500

4.68% p.a.

4.72% p.a.

$0.00

$500

4.09% p.a.

4.13% p.a.

$0.00

$600

3.89% p.a.

3.92% p.a.

$0.00

$500

3.59% p.a.

3.63% p.a.

$0.00

$600

3.79% p.a.

3.83% p.a.

$0.00

$600

3.39% p.a.

3.42% p.a.

$0.00

$500

4.19% p.a.

4.23% p.a.

$0.00

$600

3.99% p.a.

4.02% p.a.

$0.00

$500

3.89% p.a.

3.93% p.a.

$0.00

$600

4.09% p.a.

4.13% p.a.

$0.00

$600

3.69% p.a.

3.72% p.a.

$0.00

$500

4.85% p.a.

4.89% p.a.

$0.00

$500

4.75% p.a.

4.79% p.a.

$0.00

$500

4.65% p.a.

4.69% p.a.

$0.00

$500

4.35% p.a.

4.38% p.a.

$0.00

$500

4.25% p.a.

4.28% p.a.

$0.00

$500

4.15% p.a.

4.18% p.a.

$0.00

$500

5.07% p.a.

5.11% p.a.

$0.00

$500

4.97% p.a.

5.01% p.a.

$0.00

$500

4.87% p.a.

4.91% p.a.

$0.00

$500

4.77% p.a.

4.81% p.a.

$0.00

$500

4.67% p.a.

4.71% p.a.

$0.00

$500

4.57% p.a.

4.60% p.a.

$0.00

$500


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Line of Credit Line of Credit

The Capricornian’s Line of Credit home loan allows you to unlock the equity you have in your home as a line of credit for your future personal and investment needs and is available for loans over $100,000.

Product Rate Comparison Rate* Service fee Upfront fee

5.18% p.a.

n/a

$10.00 monthly

$500

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*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

The Capricornian home loan features in a glance

Free additional repaymentsFree additional repayments

The Capricornian offers you the ability to make extra repayments without fees or charges so you can pay your loan off faster. But just remember if you choose a fixed rate option and pay off your entire mortgage early, you may be hit with a fee.

Repayment optionsRepayment options

With The Capricornian home loans you can align your repayment schedule with when you get paid by choosing from weekly, fortnightly or monthly repayments.

Redraw facilityRedraw facility

With The Capricornian home loans you can access the extra repayments for free should you need some extra cash.

No monthly feesNo monthly fees

The Capricornian home loans don’t have ongoing monthly fees, which could mean big savings over the term of your loan.

How are The Capricornian home loans rated?

The rate and review service offered by Mozo has given thousands of Australians the opportunity to review their mortgage provider on the home loan essentials such as price, convenience, customer service and trustworthiness. See how the Mozo community rated The Capricornian home loans.

The Capricornian home loans

Overall 8.0

Price

Features

Customer service

Convenience

Trust

1 Reviews

Recent The Capricornian home loan reviews Recent The Capricornian home loan reviews

The Capricornian

The Capricornian Home Loan review

Overall rating   8 / 10

Great service and competitive rates.

The bank gives very professional and down to earth customer service, no hassles to complete any transaction and always ready to help and advise of current options and products available to suit my needs. Always pass on interest rate decreases...

Full review

The bank gives very professional and down to earth customer service, no hassles to complete any transaction and always ready to help and advise of current options and products available to suit my needs. Always pass on interest rate decreases promptly as well.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Fiona, Queensland, reviewed over 4 years ago

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What do you need to apply for a The Capricornian home loan? What do you need to apply for a The Capricornian home loan?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)
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