The Capricornian
Access Equity Home Loan
The Access Equity Home Loan allows you to use the equity you already have in your home for any worthwhile purpose.
Home loansBank updated 17 July 2026
At a glance
- Variable (owner occ. P&I)
- 7.84% · 7.89% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableComparison rate based on $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan a… | Owner occupied · P&I | — | — | 7.84% | 7.89% | Aged 18 years or older |
§ 02 — Fees · 7
| 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. |
| 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
RedrawExtra repaymentsInstant paymentsPayIDDigital banking
§ 04 — Eligibility & limits
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · Amount $5,000 to no maximum
- · Maximum LVR 80%
- · 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
Put this product through a calculator
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.