Access Equity Home Loan
The Access Equity Home Loan allows you to use the equity you already have in your home for any worthwhile purpose.
- From (owner occupied)
- 7.84%
- 7.89% comparison
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 |
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 — $5,000.00Minimum loan amount $5,000
More Information
Published by The Capricornian under the Consumer Data Right · Last updated 10 May 2026 · Product ID 65c69889-2d50-4331-9b17-5572de566b92 · View on CDR.gov.au