Lenders › The Capricornian › Lifestyle Home Loan
The Capricornian · Home loans
Lifestyle Home Loan
The Capricornian's Lifestyle Home Loan is a home loan. The figures are the ones The Capricornian publishes under the Consumer Data Right today. The advertised rate last moved on 11 May 2026, up from 6.14% to 6.54%.
Advertised rate
6.54%
headline tier
Comparison rate
7.04%
as published
Last moved
+0.40pp
11 May 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (4)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I | 6.54% | 7.04% |
| Fixed 2 years, Owner occupier, P&I | 6.64% | 7.01% |
| Fixed 3 years, Owner occupier, P&I | 6.84% | 7.03% |
| Variable, Owner occupier, P&I | 6.94% | 6.99% |
Rate moves, last 30 days
- 9 October 2026: Variable, Owner occupier, P&I lifted 0.25pp, from 6.69% to 6.94%.
Published fees
| Fee | Amount |
|---|---|
| Contract Variation & Consent Feewhen it happens: A fee is charged when a member applies to vary their loan conditions | $400 |
| Fixed Rate Break Cost: You may have to pay this if you pay your loan off in full, make an early or extra repayment above $10,000 p.a, or make certain other changes to your loan, durin | see lender |
| Further Advance Establishment Feewhen it happens: Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees. | $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 |
| Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395.when it happens: Allows you to secure a guaranteed fixed interest rate to protect you against potential interest rate increases that may occur during the settlement period of yo | see lender |
| Mortgage Discharge Feeon exit: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply. | $300 |
| Establishment Feeupfront: Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees. | $600 |
Other The Capricornian home loans
No Frills Owner Occupied Home Loan 6.24%Premium Choice Home Loan 6.24%No Frills Investment Home Loan 6.44%Premium Choice Investment Loan 6.44%Variable Rate Offset Home Loan 6.44%Access Equity Home Loan 8.09%Mortgage Plus Home Loan 9.23%
Get an email the morning The Capricornian moves this rate.
Every The Capricornian rate · every home loan rate compared · other lenders · this product in the explorer.