Interest
5.99%p.a.
Comparison*
6.03%p.a.
Est. repayment
$2,995
LVR ≤80%
The Capricornian Bank Home Loan Rates
Tracked products
38
Lowest variable
5.99%
Lowest fixed
—
Lowest comparison
6.03%
Last updated
3 Aug 2026
The Capricornian Bank is one of the Australian home-loan lenders we track daily. We currently surface 38 active products from The Capricornian Bank, 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 Bank home loan rate?
The lowest The Capricornian Bank variable home loan rate Ratesniffers tracks is 5.99% p.a. These figures come from the 2 The Capricornian Bank products on this page that pass data-quality checks, ranked by comparison rate, last verified 3 Aug 2026.
How many home loan products does The Capricornian Bank offer?
Ratesniffers currently tracks 38 The Capricornian Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 2 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 Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 80% |
| Variable Investor P&I | 6.19% p.a. | 6.23% p.a. | 80% |
2 of 38 tracked The Capricornian Bank home loan products
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,059
LVR ≤80%
*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 Bank home loan repayment calculator
Pre-filled with The Capricornian Bank's lowest advertised variable rate in the table above, 5.99% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
The Capricornian Bank's lowest variable today: 5.99%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$2,995
Fortnightly repayment
$1,382
Total interest
$578,034
30 years at 5.99% (P&I)
For a fuller model, use the repayment calculator or check what you can borrow with the borrowing power calculator.
The Capricornian Bank 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 Bank home loans: frequently asked questions
What is the lowest The Capricornian Bank home loan rate?
The Capricornian Bank's lowest variable home loan rate is currently 5.99% p.a., based on the 2 The Capricornian Bank products Ratesniffers ranks by comparison rate, last verified 3 Aug 2026. The advertised rate isn't always the rate The Capricornian Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 The Capricornian Bank home loan?
At The Capricornian Bank's lowest variable rate of 5.99% p.a., a $600,000 principal and interest loan over 30 years repays about $3,593 a month, and $500,000 about $2,995. 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 Bank home loan?
There is no single salary. Like every Australian lender, The Capricornian Bank 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 5.99% p.a. is assessed at about 8.99% 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 Bank's home loan rate compare to the market?
The Capricornian Bank's lowest variable home loan rate today is 5.99% p.a., which is 25 basis points below the market median of 6.24% p.a., which puts The Capricornian Bank 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 Bank sits right now rather than a fixed snapshot.
How many home loan products does The Capricornian Bank offer?
Ratesniffers currently tracks 38 The Capricornian Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 2 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 loans sit at the top.
Is The Capricornian Bank competitive for refinancing?
It depends on your loan size and LVR. The Capricornian Bank's lowest comparison rate is currently 6.03% 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 Bank against the sharpest available rate usually pays off.
How often are The Capricornian Bank's home loan rates updated?
Ratesniffers last verified The Capricornian Bank's home loan rates on 3 Aug 2026. Rates can change whenever The Capricornian Bank reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.