Looking for a larger rural residential block? Live your dream with our Lifestyle Home Loan, offering both fixed and variable rate options. This loan is designed for Owner Occupiers or Investors looking to purchase a rural property up to 40 hectares.
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 |
|---|---|---|---|---|---|
| 6.54% | 7.04% | Fixed · 1 year · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.64% | 7.01% | Fixed · 2 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.84% | 7.03% | Fixed · 3 years · owner occupied · principal and interest | CDR | 1 Nov 2026 | |
| 6.94% | 6.99% | Variable · owner occupied · principal and interest | 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/b29b83ab-921b-4719-9881-a4172e389453- Content hash
sha256 62eb3d1956c9a950c8b4c8cde975535afd5e6470e8f6a9771c835aedfd142ce8- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_62eb3d1956c9a950_19e8cda2Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/b29b83ab-921b-4719-9881-a4172e389453- Content hash
sha256 62eb3d1956c9a950c8b4c8cde975535afd5e6470e8f6a9771c835aedfd142ce8- 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 |
|---|---|---|
| Contract Variation & Consent Fee | Event | $400.00 |
| Fixed Rate Break Cost | Other | Set in your letter of offer |
| Further Advance Establishment Fee | Event | $400.00 |
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee | Event | $20.00 |
| 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 |
| Mortgage Discharge Fee | Exit | $300.00 |
| Establishment Fee | Upfront | $600.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Interest Only option available on request. | |
| Offset | 100% Offset | |
| Npp payid | An account of this product type can be used as the target of an NPP PayID | |
| Npp enabled | An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment | |
| Digital banking | Access is available to online banking features for the product | |
| Notifications | Notification via email, SMS or secure message in online banking. | SMS and/or email notifications available |
| Extra repayments | Additional repayments are unlimited for variable rates but capped up to $10,000 for fixed rate loans without penalty in any twelve (12) month period. | |
| Redraw | Redraw of repaid principal above minimum required is available. Redraw is not available on fixed rate loan options. | |
| 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 | |
| Eligibility: other | Maximum property size 40 hectares. | |
| Limit: min limit | 250000.00 | |
| Limit: max lvr | 0.80 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.54% | 7.04% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.94% | 6.99% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.84% | 7.03% |
| Fixed · 2 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.64% | 7.01% |
*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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