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The Capricornian · Business loans
Home Equity Business Loan
The Capricornian's Home Equity Business Loan is a business loan. The figures are the ones The Capricornian publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 8.10% to 8.35%.
Advertised rate
8.35%
headline tier
Tiers
1
current rate rows
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 8.10% and 8.35% over the last 30 days.
Every current rate (1)
| Tier | Rate |
|---|---|
| Variable, P&I | 8.35% |
Rate moves, last 30 days
- 9 October 2026: Variable, P&I lifted 0.25pp, from 8.10% to 8.35%.
Published fees
| Fee | Amount |
|---|---|
| Contract Variation & Consent Feewhen it happens | $400 |
| Arrears Fees - 2nd and Subsequent Reminder Letter Feewhen it happens: Applies when you fail to make your contracted repayments by the repayment due date. | $20 |
| Loan Service Fee - Loan value Greater than $250,000recurring | $50 |
| Loan Service Fee - Loan value between $5,001 - $100,000recurring | $20 |
| Loan Service Fee - Loan value Under $5,000recurring | $5 |
| Establishment Fee - Loan value Under $20,000upfront: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | $500 |
| Establishment Fee - Loan value between $100,001 - $250,000upfront: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | $800 |
| Mortgage Discharge Feewhen it happens: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply. | $300 |
| Loan Service Fee - Loan value between $100,001 - $250,000recurring | $30 |
| Arrears Fees - Default Notice Feewhen it happens: If you don’t make your payment after a period of time in arrears, you will be issued with a default notice. | $40 |
| Arrears Fees - Reminder call feewhen it happens: Applies when you fail to make your contracted repayments by the repayment due date. | $5 |
| Establishment Fee - Loan value between $20,000 - $100,000upfront: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | $600 |
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