8.5 / 10

based on 12 reviews as rated by Mozo community

The Capricornian home loans

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.

What home loans do The Capricornian offer?

Rates and fees verified as correct at 20 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

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 ‡

2.80% p.a.

4.09% p.a.

$0.00

$500

3.05% p.a.

4.16% p.a.

$0.00

$600

2.64% p.a.

3.83% p.a.

$0.00

$500

2.84% p.a.

3.89% p.a.

$0.00

$600

3.85% p.a.

4.86% p.a.

$0.00

$500

3.35% p.a.

4.36% p.a.

$0.00

$500

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

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

3.59% p.a.

3.63% p.a.

$0.00

$600

3.39% p.a.

3.42% p.a.

$0.00

$500

3.09% p.a.

3.13% p.a.

$0.00

$600

3.29% p.a.

3.33% p.a.

$0.00

$600

2.89% p.a.

2.92% p.a.

$0.00

$500

4.30% p.a.

4.33% p.a.

$0.00

$500

4.40% p.a.

4.43% p.a.

$0.00

$500

4.50% p.a.

4.53% p.a.

$0.00

$500

4.00% p.a.

4.03% p.a.

$0.00

$500

4.10% p.a.

4.13% p.a.

$0.00

$500

4.20% p.a.

4.23% p.a.

$0.00

$500

3.89% p.a.

3.93% p.a.

$0.00

$600

3.69% p.a.

3.72% p.a.

$0.00

$500

3.39% p.a.

3.43% p.a.

$0.00

$600

3.59% p.a.

3.63% p.a.

$0.00

$600

3.19% p.a.

3.22% p.a.

$0.00

$500

4.72% p.a.

4.76% p.a.

$0.00

$500

4.82% p.a.

4.86% p.a.

$0.00

$500

4.92% p.a.

4.96% p.a.

$0.00

$500

4.42% p.a.

4.45% p.a.

$0.00

$500

4.52% p.a.

4.55% p.a.

$0.00

$500

4.62% p.a.

4.65% p.a.

$0.00

$500

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

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

Image of coins

Free 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 Icon

Repayment 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.

Free icon

Redraw facility

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

Image of coins

No 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?

Mozo users have rated The Capricornian home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
The Capricornian home loans
Overall
8.0/10
Price
Features
Customer service
Convenience
Trust

1 Reviews

Recent The Capricornian home loan reviews

The Capricornian Home Loan review
Overall 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 promptly as well.

Read 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 5 years ago

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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