The Capricornian
Mortgage Plus Home Loan
Improve your lifestyle by unlocking your home’s equity
Home loansBank updated 17 July 2026
At a glance
- Variable (owner occ. P&I)
- 8.98%
- Variable (investor P&I)
- 8.98%
- Max LVR
- 75%
- Annual fee
- $120
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | $100,000+ | 8.98% | — | paid every 1 mo; Must have and be willing to offer appropriate security. |
| Variable | Owner occupied | — | — | 8.98% | — | Aged 18 years or older |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee | Event | $20 | — | Applies when you fail to make your contracted repayments by the repayment due date. |
| Arrears Fees - Default Notice Fee | Event | $40 | — | If you don’t make your payment after a period of time in arrears, you will be issued with a default notice. |
| Arrears Fees - Reminder call fee | Event | $5 | — | Applies when you fail to make your contracted repayments by the repayment due date. |
| Contract Variation & Consent Fee | Event | $400 | — | A fee is charged when a member applies to vary their loan conditions |
| Further Advance Establishment Fee | Event | $400 | — | Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees. |
| Mortgage Discharge Fee | Exit | $300 | — | This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply. |
| Card Fee | Periodic | $6 | Every 3 mo | Card Fee |
| Overdraft Service Fee | Periodic | $10 | Every 1 mo | — |
| EFTPOS incl declined transactions | Transaction | $0.70 | — | — |
| Visa Debit Cash Advance | Transaction | $0.70 | — | Where credit option is selected for cash/cash and purchase transaction |
| Establishment Fee | Upfront | $600 | — | Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees. |
§ 03 — Features
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§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · Amount $100,000 to no maximum
- · Maximum LVR 75%
- · You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
§ 05 — Compare
§ 06 — Run the numbers
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Published by The Capricornian under the Consumer Data Right, last changed by them on 17 July 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.