The Capricornian
Every product The Capricornian publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 23 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
- Australian credit licence and AFS licence 246780, held by The Capricornian Ltd; credit licence since 31 December 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
23 products in 6 categories
The Capricornian's rates today
The Capricornian's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where The Capricornian sits among every institution's best
| Rate | The Capricornian | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.24%No Frills Owner Occupied Home Loan | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.54%Premium Choice Home Loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.00%Bonus Saver Account | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.20%Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 10.94%Personal Loans | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Business overdraftLowest advertised rate; most are variable | 9.35%Business Access Overdraft | 8.24%IMB Bank's Commercial Credit line | 10.06%of 12 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 8.35%Home Equity Business Loan | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
The Capricornian home loan repayments
Repayments at The Capricornian's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- 6.24%6.29% comparison$3,690a month
$728,545 in interest, $1,328,545 repaid in all
- 1-year fixedPremium Choice Home Loan6.24%7.00% comparison$3,690a month
$728,545 in interest, $1,328,545 repaid in all
- 2-year fixedPremium Choice Home Loan6.34%6.95% comparison$3,729a month
$742,618 in interest, $1,342,618 repaid in all
- 3-year fixedPremium Choice Home Loan6.54%6.94% comparison$3,808a month
$770,954 in interest, $1,370,954 repaid in all
- Investor variableNo Frills Investment Home Loan6.44%6.49% comparison$3,769a month
$756,755 in interest, $1,356,755 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not The Capricornian's own calculator: confirm the rate with The Capricornian before you apply.
The Capricornian home loan rates
Compare across banks8 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.24%, with a comparison rate of 6.29%, on its No Frills Owner Occupied Home Loan: 25th lowest of 104 lenders, level with 6 others.
- Access Equity Home Loan
- Variable (owner occ. P&I)
- 8.09%, 8.14% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
- Lifestyle Home Loan
- Variable (owner occ. P&I)
- 6.94%, 6.99% comparison
- Fixed
- 1 yr 6.54%, 2 yrs 6.64%, 3 yrs 6.84%
- Max LVR
- 80%
- Mortgage Plus Home Loan
- Variable (owner occ. P&I)
- 9.23%
- Variable (investor P&I)
- 9.23%
- Max LVR
- 75%
- No Frills Investment Home Loan
- Variable (investor P&I)
- 6.44%
- Max LVR
- 97%
- Features
- redraw, extra repayments
- No Frills Owner Occupied Home Loan
- Variable (owner occ. P&I)
- 6.24%, 6.29% comparison
- Max LVR
- 97%
- Features
- redraw, extra repayments
- Premium Choice Home Loan
- Variable (owner occ. P&I)
- 7.45%, 7.50% comparison
- Fixed
- 1 yr 6.24%, 2 yrs 6.34%, 3 yrs 6.54%
- Max LVR
- 97%
- Premium Choice Investment Loan
- Variable (investor P&I)
- 7.87%
- Max LVR
- 97%
- Features
- offset, redraw, extra repayments
- Variable Rate Offset Home Loan
- Variable (owner occ. P&I)
- 6.44%, 6.44% comparison
- Max LVR
- 97%
- Features
- offset, redraw, extra repayments
The Capricornian savings and transaction account rates
Compare across banks9 products
Its highest savings rate is up to 5.00% (0.10% base plus a 4.90% bonus when its conditions are met), on its Bonus Saver Account: 33rd highest of 84 institutions, level with one other.
- Bonus Saver Account
- Base rate
- 0.10%
- Bonus rate
- 4.90%
- Up to
- 5.00%
- Business Access Account
- Base rate
- 0.00%
- Monthly fee
- $10
- Club Account
- Base rate
- 0.00%
- Everyday Saver Account
- Base rate
- 0.10%
- iSaver
- Base rate
- 0.00%
- Pension Access Account
- Base rate
- 0.10%
- Monthly fee
- $6
- Personal Access Account
- Base rate
- 0.00%
- Monthly fee
- $6
- Student Access Account
- Base rate
- 0.00%
- Monthly fee
- $6
- Youth Access Account
- Base rate
- 1.75%
- Monthly fee
- $6
The Capricornian term deposit rates
Compare across banks1 product
Its highest 12-month term deposit rate is 5.20%, on its Term Deposit: 47th highest of 65 institutions, level with 5 others.
| Rate | The Capricornian | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 4.30%Term Deposit | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 4.95%Term Deposit | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.20%Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.10%Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
The Capricornian personal loan rates
Compare across banks2 products
Its lowest advertised personal loan rate is 7.43% variable, with a comparison rate of 7.78%, on its Car & Motor Vehicle Loans: 42nd lowest of 69 lenders.
The Capricornian business loan rates
Compare across banks2 products
Its lowest advertised business loan rate is 8.35% variable, on its Home Equity Business Loan: 36th lowest of 49 lenders.
The Capricornian overdraft rates
Compare across banks1 product
Its lowest advertised overdraft rate is 9.35% variable, on its Business Access Overdraft: 12th lowest of 23 lenders.
Has The Capricornian passed on the RBA's November 2026 rate rise?
The Capricornian hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Fri 9 Oct
The Capricornian lifted 10 variable home loan rates by 0.25 percentage points.
0.25- Mortgage Plus Home Loan (2 rates)
- Variable Rate Offset Home Loan (2 rates)
- Access Equity Home Loan (1 rate)
- No Frills Owner Occupied Home Loan (2 rates)
- Lifestyle Home Loan (1 rate)
- No Frills Investment Home Loan (2 rates)
The Capricornian lifted 7 savings rates by 0.10 to 0.25 percentage points.
0.10 to 0.25- iSaver (2 rates)
- Bonus Saver Account (1 rate)
- Pension Access Account (2 rates)
- Youth Access Account (2 rates)
The Capricornian lifted 3 personal loan rates by 0.25 percentage points.
0.25- Personal Loans (1 rate)
- Car & Motor Vehicle Loans (2 rates)
Published by The Capricornian under the Consumer Data Right, last changed by them on 23 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.