Mortgage Plus Home Loan
Improve your lifestyle by unlocking your home’s equity
- From (owner occupied)
- 8.98%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Aged 18 years or older | 8.98% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Must have and be willing to offer appropriate security. | 8.98% | MORTGAGE PLUS HOME | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Arrears Fees - Reminder call fee Applies when you fail to make your contracted repayments by the repayment due date. | Event | $5.00 |
| Contract Variation & Consent Fee A fee is charged when a member applies to vary their loan conditions | Event | $400.00 |
| EFTPOS incl declined transactions | Transaction | $0.70 |
| Visa Debit Cash Advance Where credit option is selected for cash/cash and purchase transaction | Transaction | $0.70 |
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee Applies when you fail to make your contracted repayments by the repayment due date. | Event | $20.00 |
| Arrears Fees - Default Notice Fee If you don’t make your payment after a period of time in arrears, you will be issued with a default notice. | Event | $40.00 |
| Establishment Fee Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees. |
Features
- Digital banking
- Access is available to online banking features for the product.
- Digital wallet — Google Pay
- PayID
- An account of this product type can be used as the target of an NPP PayID.
- Real-time payments (NPP)
- An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment.
- Notifications — Notification via email, SMS or secure message in online banking.
- SMS and/or email notifications available.
- Card access — Visa Debit Card
- Digital wallet — Apple Pay
Eligibility
- You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
- Residency status — Individuals must be citizens or permanent residents of Australia.
- Minimum age — 18 years
Constraints
- Minimum limit — $100,000.00Maximum limit of 75% of the property value
- Maximum LVR — 75%Maximum LVR is 75% there is no option for LMI
More Information
Published by The Capricornian under the Consumer Data Right · Last updated 10 May 2026 · Product ID 05f887ed-9578-47b5-83d2-02397405f2bd · View on CDR.gov.au