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 01 April, 2020. Other information correct at the time of writing.
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.
| Product | Fixed 3 year rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 3.05% p.a. | 4.16% p.a. | $0.00 | $500 | ||
| 3.30% p.a. | 4.23% p.a. | $0.00 | $600 | ||
| 2.89% p.a. | 3.89% p.a. | $0.00 | $500 | ||
| 3.09% p.a. | 3.95% p.a. | $0.00 | $600 | ||
| 3.95% p.a. | 4.70% p.a. | $0.00 | $500 | ||
| 4.20% p.a. | 4.77% p.a. | $0.00 | $600 | ||
| 3.65% p.a. | 4.40% p.a. | $0.00 | $500 | ||
| 3.90% p.a. | 4.47% p.a. | $0.00 | $600 | ||
| 4.10% p.a. | 4.92% p.a. | $0.00 | $500 | ||
| 3.60% p.a. | 4.43% p.a. | $0.00 | $500 |
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.
| 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 | ||
| 3.94% p.a. | 3.98% p.a. | $0.00 | $600 | ||
| 3.74% p.a. | 3.77% p.a. | $0.00 | $500 | ||
| 3.44% p.a. | 3.48% p.a. | $0.00 | $600 | ||
| 3.64% p.a. | 3.68% p.a. | $0.00 | $600 | ||
| 3.24% p.a. | 3.27% p.a. | $0.00 | $500 | ||
| 4.04% p.a. | 4.08% p.a. | $0.00 | $600 | ||
| 3.84% p.a. | 3.87% p.a. | $0.00 | $500 | ||
| 3.74% p.a. | 3.78% p.a. | $0.00 | $600 | ||
| 3.94% p.a. | 3.98% p.a. | $0.00 | $600 | ||
| 3.54% p.a. | 3.57% p.a. | $0.00 | $500 | ||
| 4.50% p.a. | 4.53% p.a. | $0.00 | $500 | ||
| 4.40% p.a. | 4.43% p.a. | $0.00 | $500 | ||
| 4.30% p.a. | 4.33% p.a. | $0.00 | $500 | ||
| 4.20% p.a. | 4.23% p.a. | $0.00 | $500 | ||
| 4.10% p.a. | 4.13% p.a. | $0.00 | $500 | ||
| 4.00% p.a. | 4.03% p.a. | $0.00 | $500 | ||
| 4.92% p.a. | 4.96% p.a. | $0.00 | $500 | ||
| 4.82% p.a. | 4.86% p.a. | $0.00 | $500 | ||
| 4.72% p.a. | 4.76% p.a. | $0.00 | $500 | ||
| 4.62% p.a. | 4.65% p.a. | $0.00 | $500 | ||
| 4.52% p.a. | 4.55% p.a. | $0.00 | $500 | ||
| 4.42% p.a. | 4.45% p.a. | $0.00 | $500 |
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 |
‡ 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.
| 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. |
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 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...
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.
Fiona, Queensland, reviewed almost 5 years ago
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