Our Premium Choice Investment Loan is packed full of features for aspiring home owners.
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 |
|---|---|---|---|---|---|
| 6.44% | 7.20% | Fixed · 1 year · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.59% | 7.22% | Fixed · 1 year · investment · principal and interest · LVR 80%–97% | CDR | 1 Nov 2026 | |
| 6.44% | 7.13% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.69% | 7.18% | Fixed · 2 years · investment · principal and interest · LVR 80%–97% | CDR | 1 Nov 2026 | |
| 6.64% | 7.11% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.89% | 7.19% | Fixed · 3 years · investment · principal and interest · LVR 80%–97% | CDR | 1 Nov 2026 | |
| 7.87% | 7.92% | Variable · investment · principal and interest · $50,000 or more | 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/b7c86d77-bdfb-4081-8ee1-a2e94796b047- Content hash
sha256 d3a84e92f0d5263296c1dccb4500ea408cbeb79adca0f776a18b278e74d0ac87- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_d3a84e92f0d52632_ffcfda7cShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b7c86d77-bdfb-4081-8ee1-a2e94796b047- Content hash
sha256 d3a84e92f0d5263296c1dccb4500ea408cbeb79adca0f776a18b278e74d0ac87- 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 |
|---|---|---|
| Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395. | Event | Set in your letter of offer |
| Contract Variation & Consent Fee | Event | $400.00 |
| Mortgage Discharge Fee | Exit | $300.00 |
| Further Advance Establishment Fee | Event | $400.00 |
| Establishment Fee | Upfront | $600.00 |
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee | Event | $20.00 |
| Arrears Fees - Default Notice Fee | Event | $40.00 |
| Arrears Fees - Reminder call fee | Event | $5.00 |
| Fixed Rate Break Cost | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Interest Only option available on request | |
| Digital banking | Access is available to online banking features for the product | |
| Npp enabled | An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment | |
| Redraw | Redraw of repaid principal above minimum required is available. Only available for variable rate loans. | |
| Offset | An offset account can be connected to the product | |
| Extra repayments | Additional repayment options without penalty applicable to variable rate loans only. | |
| Notifications | Notification via email, SMS or secure message in online banking. | SMS and/or email notifications available |
| Npp payid | An account of this product type can be used as the target of an NPP PayID | |
| 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: min limit | 50000.00 | |
| Limit: max lvr | 0.97 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 1 year · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.44% | 7.20% |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.44% | 7.13% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 6.69% | 7.18% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.64% | 7.11% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 6.89% | 7.19% |
| Fixed · 1 year · investment · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 6.59% | 7.22% |
| Variable · investment · principal and interest · $50,000 or more | 1 Nov 2026 | Current | 7.87% | 7.92% |
*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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