The Capricornian
Lifestyle Home Loan
Looking for a larger rural residential block? Live your dream with our Lifestyle Home Loan, offering both fixed and variable rate options. This loan is designed for Owner Occupiers or Investors looking to purchase a rural property up to 40 hectares.
Home loansBank updated 17 July 2026
At a glance
- Variable (owner occ. P&I)
- 6.69% · 6.74% comparison
- Fixed
- 1 yr 6.54% · 2 yrs 6.64% · 3 yrs 6.84%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedComparison 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 | 1 yr fixed | — | 6.54% | 6.81% | Aged 18 years or older |
| FixedComparison 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 | 2 yrs fixed | — | 6.64% | 6.81% | Aged 18 years or older |
| FixedComparison 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 | 3 yrs fixed | — | 6.84% | 6.85% | Aged 18 years or older |
| 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 | — | — | 6.69% | 6.74% | 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. |
| Contract Variation & Consent Fee | Event | $400 | — | A fee is charged when a member applies to vary their loan conditions |
| Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395. | Event | $0 | — | Allows you to secure a guaranteed fixed interest rate to protect you against potential interest rate increases that may occur during the settlement period of your loan. The fee will guarantee the Int… |
| 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. |
| Fixed Rate Break Cost | Other | $0 | — | You may have to pay this if you pay your loan off in full, make an early or extra repayment above $10,000 p.a, or make certain other changes to your loan, during any fixed-rate period. |
| 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
Offset accountRedrawExtra repaymentsInstant paymentsPayIDDigital banking
- · Interest Only option available on request.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · Amount $250,000 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.
- · Maximum property size 40 hectares.
§ 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.