Our Variable Rate Offset Home Loan is packed full of features for owner occupiers to get into their ideal first home, or forever home. With a sharp variable rate, 100% offset facility, standard establishment fee waived and no penalty for extra repayments, this home loan was designed with owner occupiers in mind.
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% | 6.44% | Variable · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.74% | 6.74% | 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/3ea18e62-9de6-4957-abc4-0d9f27a45e74- Content hash
sha256 43b60594411bcb7074554553d87ce95c34cb9045fae36f8977d1a7a4999fca79- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_43b60594411bcb70_b70f5918Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/3ea18e62-9de6-4957-abc4-0d9f27a45e74- Content hash
sha256 43b60594411bcb7074554553d87ce95c34cb9045fae36f8977d1a7a4999fca79- 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 |
|---|---|---|
| Valuation Fee | Upfront | Set in your letter of offer |
| Further Advance Establishment Fee | Event | $400.00 |
| Contract Variation & Consent Fee | Event | $400.00 |
| Mortgage Discharge Fee | Exit | $300.00 |
| Arrears Fees - Reminder call fee | Event | $5.00 |
| Arrears Fees - Default Notice Fee | Event | $40.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | 100% offset account available. | |
| Npp payid | An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment | |
| Other | Receive a discounted standard premium on CGU Home & Contents Insurance for your policy’s first 12 months when taken out through The Capricornian | |
| Other | Access Account with no Transaction Fees, Account Keeping Fees and Card fees when you possess an active Variable Rate Offset Home Loan. | |
| Other | Establishment fees waived on personal loans when you possess an active Variable Rate Offset Home Loan | |
| Digital banking | Includes access to digital banking services Access is available to online banking features for the product | |
| Npp enabled | An account of this product type can be used as the target of an NPP PayID | |
| Notifications | Notification via email, SMS or secure message in online banking. | SMS and/or email notifications available |
| Extra repayments | Additional repayment options without penalty | |
| Redraw | Redraw of repaid principal above minimum required is available | |
| Eligibility: other | New Lending Only | |
| Eligibility: other | You will need to become a member of the Credit Union before The Capricornian can accept a loan application. | |
| Eligibility: natural person | ||
| Eligibility: residency status | Individuals must be citizens or permanent residents of Australia. | |
| Eligibility: min age | 18 | |
| Limit: min limit | 250000.00 | |
| Limit: max lvr | 0.97 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 80%–97% | 1 Nov 2026 | Current | 6.74% | 6.74% |
| Variable · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.44% | 6.44% |
*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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