Our No Frills Home Loan is available to home buyers looking for a variable interest rate with features designed for a smooth and easy experience.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.24% | 6.29% | Variable · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.69% | Variable · owner occupied · principal and interest · LVR 80%–97% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293- Content hash
sha256 a9f9f8f91fea542318d4b448580cae2a6b7baabff78ad86388bc0b7907dc8ab0- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_a9f9f8f91fea5423_eb4fdf08Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/8f169e0c-9488-40fa-97fe-d614ec6bf293- Content hash
sha256 a9f9f8f91fea542318d4b448580cae2a6b7baabff78ad86388bc0b7907dc8ab0- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Mortgage Discharge Fee | Event | $300.00 |
| Establishment Fee | Upfront | $600.00 |
| Contract Variation & Consent Fee | Event | $400.00 |
| Arrears Fees - Default Notice Fee | Event | $40.00 |
| Arrears Fees - Reminder call fee | Event | $5.00 |
| Further Advance Establishment Fee | Upfront | $400.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Interest Only option available on request | |
| Npp payid | An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment | |
| Npp enabled | An account of this product type can be used as the target of an NPP PayID | |
| Digital banking | Access using The Capricornian Internet Banking or The Cap App | |
| Redraw | Redraw of repaid principal above minimum required is available | |
| Notifications | Notification via email, SMS or secure message in online banking. | SMS and/or email notifications available |
| Extra repayments | Additional repayment options without penalty. | |
| Eligibility: other | New Loans Only or existing borrowers who apply for an increase in their home loan of $150,000 or more. | |
| Eligibility: other | You will need to become a member of the Credit Union before The Capricornian can accept a loan application. | |
| Eligibility: residency status | Individuals must be citizens or permanent residents of Australia. | |
| Eligibility: min age | 18 | |
| Limit: max lvr | 0.97 | |
| Limit: min limit | 150000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 6.64% | 6.69% |
| Variable · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.24% | 6.29% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 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. Fees and charges are payable.
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