--- title: "Variable Rate Offset 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/3ea18e62-9de6-4957-abc4-0d9f27a45e74 source: "CDR Compare" language: en-AU last_updated: 2026-07-17T06:13:24.528915Z --- # Variable Rate Offset 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** 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. ## At a glance - **From (owner occupied):** 6.19% (6.19% comparison) ## Apply Applications are handled by the provider: [Apply at The Capricornian](https://capricornian.apply-online.com.au/#/0cc551c1-69fe-42bb-a75b-4dec12ce6a72) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Comparison rate based on $150,000 loan over 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. · Aged 18 years or older) | 6.19% | 6.19% | Loan to valuation ratio equal to or less than 80% | | Variable (Comparison rate based on $150,000 loan over 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. · Aged 18 years or older) | 6.49% | 6.49% | Loan to valuation ratio greater than 80% | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Valuation Fee — On application, The Capricornian will pay the first $500.00 for any valuations required. For Construction loans a progress inspection valuation fee will apply | Upfront | From $0.00 | | 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 | | Contract Variation & Consent Fee — A fee is charged when a member applies to vary their loan conditions | 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 | | Arrears Fees - Reminder call fee — Applies when you fail to make your contracted repayments by the repayment due date. | Event | $5.00 | | 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 | ## Features - **Offset account** (100% offset account available.) - **PayID** (An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment) - **Receive a discounted standard premium on CGU Home & Contents Insurance for your policy’s first 12 months when taken out through The Capricornian** - **Access Account with no Transaction Fees, Account Keeping Fees and Card fees when you possess an active Variable Rate Offset Home Loan.** - **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) - **Real-time payments (NPP)** (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 facility** (Redraw of repaid principal above minimum required is available) ## Eligibility - **New Lending Only** - **You will need to become a member of the Credit Union before The Capricornian can accept a loan application.** - **Individuals only** - **Residency status** — Individuals must be citizens or permanent residents of Australia. - **Minimum age** — 18 years ## Constraints - **Minimum limit** — $250,000.00 (and up to 97% of the property value.) - **Maximum LVR** — 97% (Lenders Mortgage Insurance (LMI) is required where the loan is greater than 80% of the value of the security property for Principal and Interest Loans or 78% for Interest Only Loans. This may vary based on the size and location of the property.) ## More information from The Capricornian - [Overview](https://www.capricornian.com.au/loans/home-loans/country-to-coast-home-loan/) - [Terms & conditions](https://www.capricornian.com.au/documents/conditions-of-use/) - [Eligibility](https://www.capricornian.com.au/loans/home-loans/country-to-coast-home-loan/) - [Fees & pricing](https://www.capricornian.com.au/loans/home-loans/) ## Data provenance - Published by The Capricornian under the Consumer Data Right - Product ID: `3ea18e62-9de6-4957-abc4-0d9f27a45e74` - Last updated by the provider: 17 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/3ea18e62-9de6-4957-abc4-0d9f27a45e74 - 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/3ea18e62-9de6-4957-abc4-0d9f27a45e74) — product data published by Australian data holders under the Consumer Data Right. 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