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Premium Choice Home Loan
The Capricornian's Premium Choice 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 22 April 2026, up from 5.84% to 6.24%.
Advertised rate
6.24%
headline tier
Comparison rate
7.00%
as published
Last moved
+0.40pp
22 April 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (7)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, LVR up to 80%Loan to valuation ratio equal to or less than 80% | 6.24% | 7.00% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 80%Loan to valuation ratio equal to or less than 80% | 6.34% | 6.95% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 97%Loan to valuation ratio greater than 80% | 6.49% | 7.03% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 80%Loan to valuation ratio equal to or less than 80% | 6.54% | 6.94% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 97%Loan to valuation ratio greater than 80% | 6.59% | 7.00% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 97%Loan to valuation ratio greater than 80% | 6.79% | 7.02% |
| Variable, Owner occupier, P&I, $50,000 and overVariable Rate | 7.45% | 7.50% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Mortgage Discharge Feeon exit: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply. | $300 |
| 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 |
| Contract Variation & Consent Feewhen it happens: A fee is charged when a member applies to vary their loan conditions | $400 |
| 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 |
| 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 |
| 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 - 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 |
| Arrears Fees - Reminder call feewhen it happens: Applies when you fail to make your contracted repayments by the repayment due date. | $5 |
Other The Capricornian home loans
No Frills Owner Occupied 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%Mortgage Plus Home Loan 9.23%
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