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The Capricornian rates

The Capricornian publishes 18 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.

The Capricornian's lowest home loan rate is 6.24% on No Frills Owner Occupied Home Loan, 0.50 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 4.90% on Bonus Saver Account, 0.90 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. The Capricornian repriced 14 products in the last 30 days, most recently lifting Car & Motor Vehicle Loans on 9 October 2026, from 7.18% to 7.43%.

Home loans

ProductAdvertised rateComparison rate
No Frills Owner Occupied Home Loan6.24%6.29%
Premium Choice Home Loan6.24%7.00%
No Frills Investment Home Loan6.44%6.49%
Premium Choice Investment Loan6.44%7.13%
Variable Rate Offset Home Loan6.44%6.44%
Lifestyle Home Loan6.54%7.04%
Access Equity Home Loan8.09%8.14%
Mortgage Plus Home Loan9.23%

Savings accounts

ProductAdvertised rate
Bonus Saver Account4.90%
iSaver0.60%
Everyday Saver Account0.10%

Term deposits

ProductAdvertised rate
Term Deposit5.20%

Transaction accounts

ProductAdvertised rate
Youth Access Account2.25%
Pension Access Account0.60%

Personal loans

ProductAdvertised rateComparison rate
Car & Motor Vehicle Loans7.43%7.78%
Personal Loans10.94%11.30%

Business loans

ProductAdvertised rate
Home Equity Business Loan8.35%

Overdrafts

ProductAdvertised rate
Business Access Overdraft9.35%

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