Our Premium Choice Home 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 |
|---|---|---|---|---|---|
| 6.24% | 7.00% | Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.49% | 7.03% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–97% | CDR | 1 Nov 2026 | |
| 6.34% | 6.95% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.59% | 7.00% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–97% | CDR | 1 Nov 2026 | |
| 6.54% | 6.94% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.79% | 7.02% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–97% | CDR | 1 Nov 2026 | |
| 7.45% | 7.50% | Variable · owner occupied · 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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/57f2a9d4-5498-490f-82ea-61dff8720cc3- Content hash
sha256 94e10f389b18e87aca0204d2d67de852044288118cef5f1cf560e5fbf3718940- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_94e10f389b18e87a_919a1284Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/57f2a9d4-5498-490f-82ea-61dff8720cc3- Content hash
sha256 94e10f389b18e87aca0204d2d67de852044288118cef5f1cf560e5fbf3718940- 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 | Exit | $300.00 |
| Further Advance Establishment Fee | Event | $400.00 |
| Contract Variation & Consent Fee | Event | $400.00 |
| Establishment Fee | Upfront | $600.00 |
| Fixed Rate Break Cost | Other | Set in your letter of offer |
| Arrears Fees - Default Notice Fee | Event | $40.00 |
| 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 |
| Arrears Fees - Reminder call fee | Event | $5.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Interest Only option available on request | |
| Npp payid | An account of this product type can be used 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 | |
| Offset | An offset account can be connected to the product | |
| Extra repayments | Additional repayment options without penalty applicable to variable rate loans only. | |
| Redraw | Redraw of repaid principal above minimum required is available. Only available for variable rate loans. | |
| Notifications | SMS and/or email notifications available | SMS and/or email notifications available |
| Eligibility: residency status | Individuals must be citizens or permanent residents of Australia. | |
| Eligibility: min age | 18 | |
| Eligibility: other | You will need to become a member of the Credit Union before The Capricornian can accept a loan application. | |
| Limit: min limit | 50000.00 | |
| Limit: max lvr | 0.97 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 6.49% | 7.03% |
| Variable · owner occupied · principal and interest · $50,000 or more | 1 Nov 2026 | Current | 7.45% | 7.50% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.34% | 6.95% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 6.59% | 7.00% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.24% | 7.00% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.54% | 6.94% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 6.79% | 7.02% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.