--- title: "Lifestyle 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/b29b83ab-921b-4719-9881-a4172e389453 source: "CDR Compare" language: en-AU last_updated: 2026-07-17T06:13:24.528915Z --- # Lifestyle 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** Looking for a larger rural residential block? Live your dream with our Lifestyle Home Loan, offering both fixed and variable rate options. This loan is designed for Owner Occupiers or Investors looking to purchase a rural property up to 40 hectares. ## At a glance - **From (owner occupied):** 6.54% (6.81% 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) | 6.54% | 6.81% | — | | 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) | 6.64% | 6.81% | — | | 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) | 6.69% | 6.74% | — | | 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) | 6.84% | 6.85% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Contract Variation & Consent Fee — A fee is charged when a member applies to vary their loan conditions | Event | $400.00 | | 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 | | 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 | | 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 $0.00 | | 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 | ## Features - **Interest Only option available on request.** - **Offset account** (100% Offset) - **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) - **Notifications** — Notification via email, SMS or secure message in online banking. (SMS and/or email notifications available) - **Extra repayments** (Additional repayments are unlimited for variable rates but capped up to $10,000 for fixed rate loans without penalty in any twelve (12) month period.) - **Redraw facility** (Redraw of repaid principal above minimum required is available. Redraw is not available on fixed rate loan options.) ## 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 - **Maximum property size 40 hectares.** ## Constraints - **Minimum limit** — $250,000.00 (Minimum loan amount $250,000) - **Maximum LVR** — 80% (Max. loan amount up to 80% of the property value) ## More information from The Capricornian - [Overview](https://www.capricornian.com.au/loans/home-loans/lifestyle-loan/) - [Terms & conditions](https://www.capricornian.com.au/conditions-of-use/) - [Eligibility](https://www.capricornian.com.au/loans/home-loans/lifestyle-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: `b29b83ab-921b-4719-9881-a4172e389453` - Last updated by the provider: 17 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/b29b83ab-921b-4719-9881-a4172e389453 - 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/b29b83ab-921b-4719-9881-a4172e389453) — product data published by Australian data holders under the Consumer Data Right. 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