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Mortgage Plus Home Loan
The Capricornian's Mortgage Plus 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 9 October 2026, up from 8.98% to 9.23%.
Advertised rate
9.23%
headline tier
Tiers
2
current rate rows
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 8.98% and 9.23% over the last 30 days.
Every current rate (2)
| Tier | Rate |
|---|---|
| Variable, $100,000 and overMORTGAGE PLUS HOME | 9.23% |
| Variable, Owner occupier | 9.23% |
Rate moves, last 30 days
- 9 October 2026: Variable, $100,000 and over lifted 0.25pp, from 8.98% to 9.23%.
- 9 October 2026: Variable, Owner occupier lifted 0.25pp, from 8.98% to 9.23%.
Published fees
| Fee | Amount |
|---|---|
| Arrears Fees - Reminder call feewhen it happens: Applies when you fail to make your contracted repayments by the repayment due date. | $5 |
| Contract Variation & Consent Feewhen it happens: A fee is charged when a member applies to vary their loan conditions | $400 |
| EFTPOS incl declined transactionsper transaction | $0.70 |
| Visa Debit Cash Advanceper transaction: Where credit option is selected for cash/cash and purchase transaction | $0.70 |
| 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 |
| 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 |
| 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 |
| 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 |
| Mortgage Discharge Feeon exit: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply. | $300 |
| Overdraft Service Feerecurring | $10 |
| Card Feerecurring | $6 |
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%Lifestyle Home Loan 6.54%Access Equity Home Loan 8.09%
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