The CapricornianMortgage Plus Home Loan
Improve your lifestyle by unlocking your home’s equity
At a glance
- Variable (owner occ. P&I)
- 9.23%
- Variable (investor P&I)
- 9.23%
- Max LVR
- 75%
- Annual fee
- $120
Rates
Every rate The Capricornian publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | $100,000+ | 9.23% | - | paid every 1 mo; Must have and be willing to offer appropriate security. |
| Variable | Owner occupied | - | - | 9.23% | - | Aged 18 years or older |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, $100,000+ | 8.98% | 9.23% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied | 8.98% | 9.23% | up 0.25 |
Each change is logged the night it appears in the rates The Capricornian publishes. See how every lender answered the RBA on the rate tracker.
Fees
11 fees published, grouped by when they're charged.
- When you take it out$600Establishment Fee
- While you hold itUp to $102 fees, each listed below
- When you close it or pay it off$300Mortgage Discharge Fee
When you take it out1
- Establishment Fee
Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.
$600
While you hold it2
- Card Fee
Card Fee
$6 every 3 months - Overdraft Service Fee$10 a month
When you make a transaction2
- EFTPOS incl declined transactions$0.70
- Visa Debit Cash Advance
Where credit option is selected for cash/cash and purchase transaction
$0.70
When particular things happen5
- Arrears Fees - 2nd and Subsequent Reminder Letter Fee
Applies when you fail to make your contracted repayments by the repayment due date.
$20 - Arrears Fees - Default Notice Fee
If you don’t make your payment after a period of time in arrears, you will be issued with a default notice.
$40 - Arrears Fees - Reminder call fee
Applies when you fail to make your contracted repayments by the repayment due date.
$5 - Contract Variation & Consent Fee
A fee is charged when a member applies to vary their loan conditions
$400 - Further Advance Establishment Fee
Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.
$400
When you close it or pay it off1
- Mortgage Discharge Fee
This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.
$300
Features
Eligibility and limits
- Minimum age 18
- Residency: Individuals must be citizens or permanent residents of Australia.
- Amount from $100,000, no maximum
- Maximum LVR 75%
- You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
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Published by The Capricornian under the Consumer Data Right, last changed by them on 9 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.