---
title: "Mortgage Plus Home Loan — The Capricornian"
description: "Home Loans from The Capricornian. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/the-capricornian/products/05f887ed-9578-47b5-83d2-02397405f2bd
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-17T06:13:24.528915Z
---

# Mortgage Plus Home Loan — The Capricornian

> Home Loans from The Capricornian. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · THE CAPRICORNIAN**

Improve your lifestyle by unlocking your home’s equity

## At a glance

- **From (owner occupied):** 8.98% (Variable)

## Apply

Applications are handled by the provider: [Apply at The Capricornian](https://capricornian.apply-online.com.au/)

## 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 $100,000+ | 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. | Upfront | $600.00 |
| Further Advance 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. | Event | $400.00 |
| Mortgage Discharge Fee — This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply. | Exit | $300.00 |
| Overdraft Service Fee — Charged monthly | Ongoing | $10.00 |
| Card Fee — Charged every 3 months · Discount −$6.00 — Card Fee (eligibility: Maximum age: 26) | Ongoing | $6.00 |

## 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** — $100,000.00 (Maximum limit of 75% of the property value)
- **Maximum LVR** — 75% (Maximum LVR is 75% there is no option for LMI )

## More information from The Capricornian

- [Overview](https://www.capricornian.com.au/loans/home-loans/mortgage-plus-home-loan/)
- [Terms & conditions](https://www.capricornian.com.au/documents/conditions-of-use/)
- [Eligibility](https://www.capricornian.com.au/loans/home-loans/mortgage-plus-home-loan/)
- [Fees & pricing](https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/)

## Data provenance

- Published by The Capricornian under the Consumer Data Right
- Product ID: `05f887ed-9578-47b5-83d2-02397405f2bd`
- Last updated by the provider: 17 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/05f887ed-9578-47b5-83d2-02397405f2bd
- Provider page: https://www.cdrcompare.au/brands/the-capricornian
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000183

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/the-capricornian/products/05f887ed-9578-47b5-83d2-02397405f2bd) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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