The Capricornian
Premium Choice Investment Loan
Our Premium Choice Investment Loan is packed full of features for aspiring home owners.
Home loansBank updated 17 July 2026
At a glance
- Variable (investor P&I)
- 7.87%
- Max LVR
- 97%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 7
| 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… | Investment · P&I | 1 yr fixed | ≤80% LVR | 6.44% | 6.98% | 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… | Investment · P&I | 1 yr fixed | 80–97% LVR | 6.59% | 7.00% | 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… | Investment · P&I | 2 yrs fixed | ≤80% LVR | 6.44% | 6.93% | 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… | Investment · P&I | 2 yrs fixed | 80–97% LVR | 6.69% | 6.98% | 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… | Investment · P&I | 3 yrs fixed | ≤80% LVR | 6.64% | 6.94% | 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… | Investment · P&I | 3 yrs fixed | 80–97% LVR | 6.89% | 7.01% | 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… | Investment · P&I | — | $50,000+ | 7.87% | 7.92% | Aged 18 years or older |
§ 02 — Fees · 9
| 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 |
| Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395. | Event | $395 | — | 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 $50,000 to no maximum
- · Maximum LVR 97%
- · 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.