The CapricornianAccess Equity Home Loan
The Access Equity Home Loan allows you to use the equity you already have in your home for any worthwhile purpose.
At a glance
- Variable (owner occ. P&I)
- 8.09%8.14% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 8.09% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 101st lowest of 104 |
Rates
The one rate The Capricornian publishes for this home loan.
| 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 | - | - | 8.09% | 8.14% | Aged 18 years or older |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Owner occupied, P&I | 7.84% | 8.09% | 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
7 fees published, grouped by when they're charged.
- When you take it out$600Establishment Fee
- While you hold itNo fee published
- 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
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
- Residency: Individuals must be citizens or permanent residents of Australia.
- Amount from $5,000, no maximum
- Maximum LVR 80%
- You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
Compare it with others
Put this product through a calculator
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.