Interest
6.24%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,075
LVR ≤80%
The Capricornian Home Loan Rates
The Capricornian lifted its variable home-loan rates by 0.25 percentage points from 9 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
55
Variable product example
6.24%
A verified The Capricornian product example is No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Fixed product example
6.44%
A verified The Capricornian product example is Lifestyle Home Loan 3 Year Fixed Owner Occupied <80% LVR: 6.44% p.a. (6.84% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Variable example comparison
6.28%
A verified The Capricornian product example is No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Last updated
1 November 2026
The Capricornian is one of the Australian home-loan lenders we track daily. We currently surface 55 active products from The Capricornian, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are The Capricornian home loan rates?
Ratesniffers compares The Capricornian home loan products by comparison rate. A verified The Capricornian product example is No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified The Capricornian product example is Lifestyle Home Loan 3 Year Fixed Owner Occupied <80% LVR: 6.44% p.a. (6.84% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare The Capricornian against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest The Capricornian home loan rate?
A verified The Capricornian product example is No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified The Capricornian product example is Lifestyle Home Loan 3 Year Fixed Owner Occupied <80% LVR: 6.44% p.a. (6.84% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does The Capricornian offer?
Ratesniffers currently tracks 55 The Capricornian home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 30 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
The Capricornian home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.24% p.a. | 6.28% p.a. | 80% |
| Variable Owner-occupier P&I | 6.44% p.a. | n/a | 80% |
| Variable Investor P&I | 6.44% p.a. | 6.48% p.a. | 80% |
| Variable Owner-occupier P&I | 6.64% p.a. | 6.68% p.a. | 95% |
| Variable Owner-occupier P&I | 6.74% p.a. | n/a | 95% |
| Fixed 2-year Investor P&I | 6.24% p.a. | 6.84% p.a. | 80% |
| Fixed 2-year Owner-occupier P&I | 6.24% p.a. | 6.84% p.a. | 80% |
| Fixed 3-year Investor P&I | 6.44% p.a. | 6.84% p.a. | 80% |
| Fixed 3-year Owner-occupier P&I | 6.44% p.a. | 6.84% p.a. | 80% |
| Variable Investor P&I | 6.84% p.a. | 6.88% p.a. | 95% |
| Fixed 1-year Investor P&I | 6.14% p.a. | 6.90% p.a. | 80% |
| Fixed 1-year Owner-occupier P&I | 6.14% p.a. | 6.90% p.a. | 80% |
30 of 55 tracked The Capricornian home loan products
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Est. repayment
$3,207
LVR 80 to 95%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR 80 to 95%
Interest
6.24%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,075
LVR ≤80%
Interest
6.24%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,075
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.44%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR 80 to 95%
Interest
6.14%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,043
LVR ≤80%
Interest
6.14%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,043
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.94%p.a.
Comparison*
6.98%p.a.
Est. repayment
$3,306
LVR ≤80%
Interest
6.54%p.a.
Comparison*
7.11%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.34%p.a.
Comparison*
7.14%p.a.
Est. repayment
$3,108
LVR ≤80%
Interest
6.69%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,223
LVR 80 to 95%
Interest
6.24%p.a.
Comparison*
7.22%p.a.
Est. repayment
$3,075
LVR ≤80%
Interest
6.89%p.a.
Comparison*
7.22%p.a.
Est. repayment
$3,290
LVR 80 to 95%
Interest
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤95%
Interest
6.59%p.a.
Comparison*
7.26%p.a.
Est. repayment
$3,190
LVR 80 to 95%
Interest
6.64%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,207
LVR ≤80%
Interest
6.44%p.a.
Comparison*
7.32%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.89%p.a.
Comparison*
7.36%p.a.
Est. repayment
$3,290
LVR 80 to 90%
Interest
6.69%p.a.
Comparison*
7.37%p.a.
Est. repayment
$3,223
LVR 80 to 90%
Interest
6.44%p.a.
Comparison*
7.42%p.a.
Est. repayment
$3,141
LVR ≤80%
Interest
6.59%p.a.
Comparison*
7.44%p.a.
Est. repayment
$3,190
LVR 80 to 90%
Interest
7.45%p.a.
Comparison*
7.50%p.a.
Est. repayment
$3,479
LVR ≤95%
Interest
7.49%p.a.
Comparison*
7.54%p.a.
Est. repayment
$3,493
LVR ≤90%
Interest
7.87%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,624
LVR ≤90%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
The Capricornian home loan repayment calculator
The starting interest input uses this selected The Capricornian product example: No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
Monthly repayment
$3,075
Fortnightly repayment
$1,419
Total interest
$607,121
30 years at 6.24% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
The Capricornian fees, offset and limits at a glance
- Application or establishment fee
- $500 Loan to Valuation Ratio (LVR) Under 80%. $600 LVR over 80%
- Discharge fee
- $480
- Settlement fee
- $0
- Additional valuation fee
- $275
- Rate lock fee
- Optional Lock Fee is the greater of 0.15% of the amount of credit or $395 where funding is more than 60 days…
- Loan portability
- Portability is available on all loan types
- Offset account
- 100%
- Minimum offset balance
- $1
- Lenders mortgage insurer
- Helia and QBE
- Capitalising LMI
- Capitalisation of LMI premium greater than the maximum LVR dictated by LMI providers in terms of their…
- Maximum total lending
- Aggregate Maximum Loan $2.400,0000
- Extra repayments on fixed
- Yes, limited to $10,000 pa before break costs occur
- When the fixed rate is locked
- Up to 60 days from the date of the Offer and Loan Contract unless member opts for payment of fixed rate lock…
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
The Capricornian home loans: frequently asked questions
What are The Capricornian home loan rates?
Ratesniffers compares The Capricornian home loan products by comparison rate. A verified The Capricornian product example is No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified The Capricornian product example is Lifestyle Home Loan 3 Year Fixed Owner Occupied <80% LVR: 6.44% p.a. (6.84% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare The Capricornian at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest The Capricornian home loan rate?
A verified The Capricornian product example is No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified The Capricornian product example is Lifestyle Home Loan 3 Year Fixed Owner Occupied <80% LVR: 6.44% p.a. (6.84% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 The Capricornian home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,690 a month before fees. The selected source example is No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 The Capricornian home loan?
There is no single salary requirement for a The Capricornian home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish The Capricornian's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does The Capricornian's home loan rate compare to the market?
A verified The Capricornian product example is No Frills Home Loan Owner Occupied <80% LVR: 6.24% p.a. (6.28% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
How many home loan products does The Capricornian offer?
Ratesniffers currently tracks 55 The Capricornian home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 30 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is The Capricornian competitive for refinancing?
Compare The Capricornian's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are The Capricornian's home loan rates updated?
Ratesniffers refreshes The Capricornian's home loan rates daily; this page was last updated 1 November 2026. Rates can change whenever The Capricornian reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.