--- title: "Premium Choice 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/57f2a9d4-5498-490f-82ea-61dff8720cc3 source: "CDR Compare" language: en-AU last_updated: 2026-07-17T06:13:24.528915Z --- # Premium Choice 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 Premium Choice Home Loan is packed full of features for aspiring home owners. ## At a glance - **From (owner occupied):** 6.24% (6.78% 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 | | --- | --- | --- | --- | | Fixed · 1 year (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) | 6.24% | 6.78% | Loan to valuation ratio equal to or less than 80% | | Fixed · 2 years (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) | 6.34% | 6.75% | Loan to valuation ratio equal to or less than 80% | | Fixed · 1 year (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% | 6.81% | Loan to valuation ratio greater than 80% | | Fixed · 3 years (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) | 6.54% | 6.77% | Loan to valuation ratio equal to or less than 80% | | Fixed · 2 years (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) | 6.59% | 6.8% | Loan to valuation ratio greater than 80% | | Fixed · 3 years (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) | 6.79% | 6.84% | Loan to valuation ratio greater 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) | 7.45% | 7.5% | Variable Rate $50,000+ | ## Fees | Fee | Type | Amount | | --- | --- | --- | | 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 | | 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 | | 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 | | Fixed Rate Break Cost — You may have to pay this if you pay your loan off in full, make an early or extra repayment above $10,000 p.a, or make certain other changes to your loan, during any fixed-rate period. | Other | From $0.00 | | 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 | | 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 | | Fixed Rate Lock Fee - The Fee is 0.15% of the amount of credit or a minimum of $395. — Allows you to secure a guaranteed fixed interest rate to protect you against potential interest rate increases that may occur during the settlement period of your loan. The fee will guarantee the Interest rate up to 60 days from the date of the Offer and Loan Contract. | Event | From $395.00 | | Arrears Fees - Reminder call fee — Applies when you fail to make your contracted repayments by the repayment due date. | Event | $5.00 | ## Features - **Interest Only option available on request** - **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) - **Digital banking** (Access is available to online banking features for the product) - **Offset account** (An offset account can be connected to the product) - **Extra repayments** (Additional repayment options without penalty applicable to variable rate loans only.) - **Redraw facility** (Redraw of repaid principal above minimum required is available. Only available for variable rate loans.) - **Notifications** — SMS and/or email notifications available (SMS and/or email notifications available) ## Eligibility - **Residency status** — Individuals must be citizens or permanent residents of Australia. - **Minimum age** — 18 years - **You will need to become a member of the Credit Union before The Capricornian can accept a loan application.** ## Constraints - **Minimum limit** — $50,000.00 - **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/premium-choice-loan/) - [Terms & conditions](https://www.capricornian.com.au/documents/conditions-of-use/) - [Eligibility](https://www.capricornian.com.au/loans/home-loans/premium-choice-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: `57f2a9d4-5498-490f-82ea-61dff8720cc3` - Last updated by the provider: 17 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/57f2a9d4-5498-490f-82ea-61dff8720cc3 - 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/57f2a9d4-5498-490f-82ea-61dff8720cc3) — product data published by Australian data holders under the Consumer Data Right. 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