---
title: "Access Equity 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/65c69889-2d50-4331-9b17-5572de566b92
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-17T06:13:24.528915Z
---

# Access Equity 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**

The Access Equity Home Loan allows you to use the equity you already have in your home for any worthwhile purpose.

## At a glance

- **From (owner occupied):** 7.84% (7.89% 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 amounts might result in a different comparison rate. · Aged 18 years or older) | 7.84% | 7.89% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 |
| 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 |
| 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 |
| Contract Variation & Consent Fee — A fee is charged when a member applies to vary their loan conditions | Event | $400.00 |
| 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 |
| 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 |

## Features

- **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)
- **Redraw facility** (Redraw of repaid principal above minimum required is available)
- **Extra repayments** (Additional repayment options without penalty)
- **Notifications** — Notification via email, SMS or secure message in online banking. (SMS and/or email notifications available)

## 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.

## Constraints

- **Maximum LVR** — 80% (Maximum loan amount up to 80% of the property value.)
- **Minimum limit** — $5,000.00 (Minimum loan amount $5,000)

## More information from The Capricornian

- [Overview](https://www.capricornian.com.au/loans/home-loans/access-equity-loan/)
- [Terms & conditions](https://www.capricornian.com.au/conditions-of-use/)
- [Eligibility](https://www.capricornian.com.au/loans/home-loans/access-equity-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: `65c69889-2d50-4331-9b17-5572de566b92`
- Last updated by the provider: 17 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/65c69889-2d50-4331-9b17-5572de566b92
- 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/65c69889-2d50-4331-9b17-5572de566b92) — 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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