RateMovesLenders › The Capricornian home loan rates
The Capricornian home loan rates
8 home loan products and 26 published rates, checked 2 Nov, 12:05 am AEDT. The Capricornian last updated its data 9 Oct 2026.
Lowest The Capricornian rates
| Loan type | Rate | Comparison* |
|---|---|---|
| Variable, owner-occupier, P&I No Frills Owner Occupied Home Loan (LVR up to 80%) | 6.24% | 6.29% |
| Variable, owner-occupier, interest only Mortgage Plus Home Loan (any LVR) | 9.23% | – |
| Variable, investor, P&I No Frills Investment Home Loan (LVR up to 80%) | 6.44% | 6.49% |
| 1 year fixed, owner-occupier, P&I Premium Choice Home Loan (LVR up to 80%) | 6.24% | 7.00% |
| 2 year fixed, owner-occupier, P&I Premium Choice Home Loan (LVR up to 80%) | 6.34% | 6.95% |
| 3 year fixed, owner-occupier, P&I Premium Choice Home Loan (LVR up to 80%) | 6.54% | 6.94% |
How does The Capricornian compare? Rank every lender for your loan, or see if switching saves you money.
Rate changes
No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.
All The Capricornian home loans
Access Equity Home Loan · 1 rate · from 8.09%Specialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Aged 18 years or older | Owner-occupier, principal & interest | any LVR | 8.09% | 8.14% |
Lifestyle Home Loan · 4 rates · from 6.54%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Aged 18 years or older | Owner-occupier, principal & interest | any LVR | 6.54% | 7.04% |
| 2 year fixed Aged 18 years or older | Owner-occupier, principal & interest | any LVR | 6.64% | 7.01% |
| 3 year fixed Aged 18 years or older | Owner-occupier, principal & interest | any LVR | 6.84% | 7.03% |
| Variable Aged 18 years or older | Owner-occupier, principal & interest | any LVR | 6.94% | 6.99% |
Mortgage Plus Home Loan · 1 rate · from 9.23%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Aged 18 years or older | Owner-occupier, any repayment type | any LVR | 9.23% | – |
No Frills Investment Home Loan · 2 rates · from 6.44%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Aged 18 years or older | Investor, principal & interest | LVR up to 80% | 6.44% | 6.49% |
| Variable Aged over 18 years of age | Investor, principal & interest | LVR 80–97% | 6.84% | 6.89% |
No Frills Owner Occupied Home Loan · 2 rates · from 6.24%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Aged 18 years or older | Owner-occupier, principal & interest | LVR up to 80% | 6.24% | 6.29% |
| Variable Aged 18 years or older | Owner-occupier, principal & interest | LVR 80–97% | 6.64% | 6.69% |
No Frills Owner Occupied Home Loan on The Capricornian’s site ↗
Premium Choice Home Loan · 7 rates · from 6.24%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Aged 18 years or older | Owner-occupier, principal & interest | LVR up to 80% | 6.24% | 7.00% |
| 1 year fixed Aged 18 years or older | Owner-occupier, principal & interest | LVR 80–97% | 6.49% | 7.03% |
| 2 year fixed Aged 18 years or older | Owner-occupier, principal & interest | LVR up to 80% | 6.34% | 6.95% |
| 2 year fixed Aged 18 years or older | Owner-occupier, principal & interest | LVR 80–97% | 6.59% | 7.00% |
| 3 year fixed Aged 18 years or older | Owner-occupier, principal & interest | LVR up to 80% | 6.54% | 6.94% |
| 3 year fixed Aged 18 years or older | Owner-occupier, principal & interest | LVR 80–97% | 6.79% | 7.02% |
| Variable Aged 18 years or older | Owner-occupier, principal & interest | any LVR from $50,000 | 7.45% | 7.50% |
Premium Choice Investment Loan · 7 rates · from 6.44%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed Aged 18 years or older | Investor, principal & interest | LVR up to 80% | 6.44% | 7.20% |
| 1 year fixed Aged 18 years or older | Investor, principal & interest | LVR 80–97% | 6.59% | 7.22% |
| 2 year fixed Aged 18 years or older | Investor, principal & interest | LVR up to 80% | 6.44% | 7.13% |
| 2 year fixed Aged 18 years or older | Investor, principal & interest | LVR 80–97% | 6.69% | 7.18% |
| 3 year fixed Aged 18 years or older | Investor, principal & interest | LVR up to 80% | 6.64% | 7.11% |
| 3 year fixed Aged 18 years or older | Investor, principal & interest | LVR 80–97% | 6.89% | 7.19% |
| Variable Aged 18 years or older | Investor, principal & interest | any LVR from $50,000 | 7.87% | 7.92% |
Variable Rate Offset Home Loan · 2 rates · from 6.44%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable Aged 18 years or older | Owner-occupier, principal & interest | LVR up to 80% | 6.44% | 6.44% |
| Variable Aged 18 years or older | Owner-occupier, principal & interest | LVR 80–97% | 6.74% | 6.74% |
* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.