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The Capricornian Home Loan Rates

Active products
16
Lowest variable
6.09%
Lowest fixed
6.14%
Lowest comparison
6.13%
Last updated
28 July 2026

The Capricornian is one of the Australian home-loan lenders we track daily. We currently surface 16 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 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 6.14% p.a. These figures come from the 16 The Capricornian products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does The Capricornian offer?

Ratesniffers currently tracks 16 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.

The Capricornian home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.100%
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.100%
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.100%
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.100%
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.100%
Fixed 1-year Owner-occupier P&I6.14% p.a.6.18% p.a.100%
Fixed 1-year Investor P&I6.14% p.a.6.18% p.a.100%
Fixed 1-year Owner-occupier P&I6.14% p.a.6.18% p.a.100%
Fixed 2-year Owner-occupier P&I6.24% p.a.6.28% p.a.100%
Fixed 2-year Investor P&I6.24% p.a.6.28% p.a.100%
Fixed 2-year Owner-occupier P&I6.24% p.a.6.28% p.a.100%
Variable Investor P&I6.29% p.a.6.33% p.a.100%

16 The Capricornian home loan products

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The Capricornian home loans: frequently asked questions

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 6.14% p.a., based on the 16 The Capricornian products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate The Capricornian approves, a broker can often negotiate a sharper deal on your scenario.

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 in line with the market median of 6.09% p.a. 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 16 The Capricornian home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily 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 6.13% 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 28 July 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.

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