The Access Equity Home Loan allows you to use the equity you already have in your home for any worthwhile purpose.
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 |
|---|---|---|---|---|---|
| 8.09% | 8.14% | 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/65c69889-2d50-4331-9b17-5572de566b92- Content hash
sha256 60ff9bff19772ab729e78fc0724703b4f148590e5c792156130990f5a5ec6a8f- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_60ff9bff19772ab7_751df3d9Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/65c69889-2d50-4331-9b17-5572de566b92- Content hash
sha256 60ff9bff19772ab729e78fc0724703b4f148590e5c792156130990f5a5ec6a8f- 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 |
|---|---|---|
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee | Event | $20.00 |
| Mortgage Discharge Fee | Exit | $300.00 |
| Establishment Fee | Upfront | $600.00 |
| Contract Variation & Consent Fee | Event | $400.00 |
| Arrears Fees - Reminder call fee | Event | $5.00 |
| Arrears Fees - Default Notice Fee | Event | $40.00 |
| Further Advance Establishment Fee | Event | $400.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| 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 | |
| Redraw | Redraw of repaid principal above minimum required is available | |
| Extra repayments | Additional repayment options without penalty | |
| Notifications | Notification via email, SMS or secure message in online banking. | SMS and/or email notifications available |
| 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. | |
| Limit: max lvr | 0.80 | |
| Limit: min limit | 5000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 8.09% | 8.14% |
*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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