Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤80%
The Capricornian · Offset · Updated November 2026
The Capricornian Offset Account Home Loans, November 2026
The Capricornian lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.14% p.a. (comparison rate 6.90% p.a.) on a 1-year fixed term, on Lifestyle Home Loan 1 Year Fixed Investment <80% LVR. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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The Capricornian offset home loan rates, November 2026
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
6.14%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%
*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 · Offset
The Capricornian offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also The Capricornian's full product range, repayment calculator, and offset savings calculator.