The Capricornian home loans

4.0
Based on 1 The Capricornian home loan product review.
Fact Checked

Based in Central Queensland, The Capricornian is a credit union which has been offering a range of banking products, including home loans, to its local customers for more than 60 years. As a member-owned bank, all profit made by The Capricornian is reinvested back into products and customer experience. Get acquainted with all the ins and outs of The Capricornian's mortgage offers below. 

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Last updated 22 December 2024 Important disclosures and comparison rate warning*
What are your home loan needs?

Your loan-to-value ratio (LVR): 50%

Loan amount and LVR will affect interest rates.

  • Fixed Premium Choice Home Loan

    • Owner Occupier
    • Principal & Interest
    • LVR<80%
    Interest rate
    5.74 % p.a.
    Fixed 1 year
    Comparison rate
    7.31 % p.a.
    Initial monthly repayment
    $2,915
    No Partner link

  • Fixed Premium Choice Investment Loan

    • Investment
    • Principal & Interest
    • LVR<80%
    Interest rate
    5.74 % p.a.
    Fixed 1 year
    Comparison rate
    7.81 % p.a.
    Initial monthly repayment
    $2,915
    No Partner link

  • Lifestyle Fixed Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    7.09 % p.a.
    Fixed 2 years
    Comparison rate
    8.23 % p.a.
    Initial monthly repayment
    $3,357
    No Partner link

  • Country to Coast Variable Rate Offset Home Loan

    • Owner Occupied
    • Principal and Interest
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    5.99 % p.a.
    Initial monthly repayment
    $2,995
    No Partner link

  • No Frills Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    6.79 % p.a.
    Variable
    Comparison rate
    6.84 % p.a.
    Initial monthly repayment
    $3,256
    No Partner link

  • No Frills Investment Loan

    • Investor
    • Principal & Interest
    • <80% LVR
    Interest rate
    6.99 % p.a.
    Variable
    Comparison rate
    7.04 % p.a.
    Initial monthly repayment
    $3,323
    No Partner link

  • Premium Choice Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    7.45 % p.a.
    Variable
    Comparison rate
    7.50 % p.a.
    Initial monthly repayment
    $3,479
    No Partner link

  • Premium Choice Investment Loan

    • Investment
    • Principal & Interest
    Interest rate
    7.87 % p.a.
    Variable
    Comparison rate
    7.92 % p.a.
    Initial monthly repayment
    $3,624
    No Partner link

  • Lifestyle Home Loan

    • Owner Occupier
    • Principal & Interest
    Interest rate
    8.48 % p.a.
    Variable
    Comparison rate
    8.53 % p.a.
    Initial monthly repayment
    $3,837
    No Partner link

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The Capricornian home loan ratings

Overall customer rating for The Capricornian home loans

4.0
Based on 1 product review.

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The Capricornian products

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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.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.