The Capricornian is one of the Australian home-loan lenders we track daily. We currently surface 17 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?
The Capricornian home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.09% p.a. and the lowest fixed rate currently 6.24% p.a., checked daily (last verified 11 Sept 2026). 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?
The lowest The Capricornian variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.24% p.a. These figures come from the 17 The Capricornian products on this page, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does The Capricornian offer?
Ratesniffers currently tracks 17 The Capricornian home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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.
17 The Capricornian home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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 4 Sept 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?
The Capricornian home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.09% p.a., and the lowest fixed rate is 6.24% p.a., checked daily (last verified 11 Sept 2026). Compare The Capricornian against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a The Capricornian balance, use /calculators/extra-repayment.
What is the lowest The Capricornian home loan rate?
The Capricornian's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.24% p.a., based on the 17 The Capricornian products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate The Capricornian approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 The Capricornian home loan?
At The Capricornian's lowest variable rate of 6.09% p.a., a $600,000 principal and interest loan over 30 years repays about $3,632 a month, and $500,000 about $3,027. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 The Capricornian home loan?
There is no single salary. Like every Australian lender, The Capricornian must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.09% p.a. is assessed at about 9.09% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does The Capricornian's home loan rate compare to the market?
The Capricornian's lowest variable home loan rate today is 6.09% p.a., which is 15 basis points below the market median of 6.24% p.a., which puts The Capricornian among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where The Capricornian sits right now rather than a fixed snapshot.
How many home loan products does The Capricornian offer?
Ratesniffers currently tracks 17 The Capricornian home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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?
It depends on your loan size and LVR. The Capricornian's lowest comparison rate is currently 6.14% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing The Capricornian against the sharpest available rate usually pays off.
How often are The Capricornian's home loan rates updated?
Ratesniffers refreshes The Capricornian's home loan rates daily; this page was last updated 11 Sept 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.
