Interest
6.24%p.a.
Comparison*
6.28%p.a.
Est. repayment
$3,075
LVR ≤80%
The Capricornian · Variable · Updated November 2026
The Capricornian Variable Home Loans, November 2026
The Capricornian lists 12 variable home loans in the Ratesniffers index today. The lowest is 6.24% p.a. (comparison rate 6.28% p.a.), on No Frills Home Loan Owner Occupied <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 variable home loan rates, November 2026
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
6.84%p.a.
Comparison*
6.88%p.a.
Est. repayment
$3,273
LVR 80 to 95%
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
7.24%p.a.
Comparison*
Not available
Est. repayment
$3,407
LVR ≤95%
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 · Variable
The Capricornian variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.
See also The Capricornian's full product range, repayment calculator, and refinance savings calculator.