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The Capricornian · Home loans
Variable Rate Offset Home Loan
The Capricornian's Variable Rate Offset 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 6.19% to 6.44%.
Advertised rate
6.44%
headline tier
Comparison rate
6.44%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 6.19% and 6.44% over the last 30 days.
Every current rate (2)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 80%Loan to valuation ratio equal to or less than 80% | 6.44% | 6.44% |
| Variable, Owner occupier, P&I, LVR 80 to 97%Loan to valuation ratio greater than 80% | 6.74% | 6.74% |
Rate moves, last 30 days
- 9 October 2026: Variable, Owner occupier, P&I, LVR up to 80% lifted 0.25pp, from 6.19% to 6.44%.
- 9 October 2026: Variable, Owner occupier, P&I, LVR 80 to 97% lifted 0.25pp, from 6.49% to 6.74%.
Published fees
| Fee | Amount |
|---|---|
| Valuation Feeupfront: On application, The Capricornian will pay the first $500.00 for any valuations required. | 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 |
| Contract Variation & Consent Feewhen it happens: A fee is charged when a member applies to vary their loan conditions | $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 |
| Arrears Fees - Reminder call feewhen it happens: Applies when you fail to make your contracted repayments by the repayment due date. | $5 |
| 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 |
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%Lifestyle Home Loan 6.54%Access Equity Home Loan 8.09%Mortgage Plus Home Loan 9.23%
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