Capricornian Credit Union home loan rates
THE CAPRICORNIAN LTD · ACL 246780 · Mutual/Credit union
Rates as at 2026-10-20. 26 rates across 8 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| No Frills Owner Occupied Home Loan | 6.24% | 6.29% | Variable | Owner occupier | P&I | LVR <=80% |
| No Frills Investment Home Loan | 6.44% | 6.49% | Variable | Investment | P&I | LVR <=80% |
| Variable Rate Offset Home Loan | 6.44% | 6.44% | Variable | Owner occupier | P&I | LVR <=80% |
| No Frills Owner Occupied Home Loan | 6.64% | 6.69% | Variable | Owner occupier | P&I | LVR 80-97% |
| Variable Rate Offset Home Loan | 6.74% | 6.74% | Variable | Owner occupier | P&I | LVR 80-97% |
| No Frills Investment Home Loan | 6.84% | 6.89% | Variable | Investment | P&I | LVR 80-97% |
| Lifestyle Home Loan | 6.94% | 6.99% | Variable | Owner occupier | P&I | — |
| Premium Choice Home Loan | 7.45% | 7.50% | Variable | Owner occupier | P&I | Loan $>=50000 |
| Premium Choice Investment Loan | 7.87% | 7.92% | Variable | Investment | P&I | Loan $>=50000 |
| Access Equity Home Loan | 8.09% | 8.14% | Variable | Owner occupier | P&I | — |
| Mortgage Plus Home Loan | 9.23% | — | Variable | Owner occupier | — | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Premium Choice Home Loan | 6.24% | 6.78% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=80% |
| Premium Choice Home Loan | 6.34% | 6.75% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=80% |
| Premium Choice Investment Loan | 6.44% | 6.98% | Fixed | Investment | P&I | 1 yr fixed · LVR <=80% |
| Premium Choice Investment Loan | 6.44% | 6.93% | Fixed | Investment | P&I | 2 yr fixed · LVR <=80% |
| Premium Choice Home Loan | 6.49% | 6.81% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR 80-97% |
| Lifestyle Home Loan | 6.54% | 6.81% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Premium Choice Home Loan | 6.54% | 6.77% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=80% |
| Premium Choice Home Loan | 6.59% | 6.80% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR 80-97% |
| Premium Choice Investment Loan | 6.59% | 7.00% | Fixed | Investment | P&I | 1 yr fixed · LVR 80-97% |
| Lifestyle Home Loan | 6.64% | 6.81% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Premium Choice Investment Loan | 6.64% | 6.94% | Fixed | Investment | P&I | 3 yr fixed · LVR <=80% |
| Premium Choice Investment Loan | 6.69% | 6.98% | Fixed | Investment | P&I | 2 yr fixed · LVR 80-97% |
| Premium Choice Home Loan | 6.79% | 6.84% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR 80-97% |
| Lifestyle Home Loan | 6.84% | 6.85% | Fixed | Owner occupier | P&I | 3 yr fixed |
| Premium Choice Investment Loan | 6.89% | 7.01% | Fixed | Investment | P&I | 3 yr fixed · LVR 80-97% |
Conditions worth checking. and up to 97% of the property value. | Eligibility: New Lending Only | Eligibility: You will need to become a member of the Credit Union before The Capricornian can accept a loan application. Maximum limit of 75% of the property value | Eligibility: You will need to become a member of the Credit Union before The Capricornian can accept a loan application. Eligibility: New Loans Only or existing borrowers who apply for an increase in their home loan of $150,000 or more. | Eligibility: You will need to become a member of the Credit Union before The Capricornian can accept a loan application.