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The Capricornian home loans

The Capricornian has home loan rates starting from 6.47%.

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The Capricornian is a credit union that offers a range of home loans for Australian borrowers. Check out the full table of The Capricornian products below or read more about the lender.

Compare The Capricornian home loans for May 2024

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Finder AwardPrincipal & InterestInterest only 3Y Fixed10% min. depositOwner-occupierOffset account
Interest Rate
6.47%
Comparison Rate
7.21%
Fees
Application: $600
Ongoing: $0 p.a.
Monthly Payment
$946
Principal & InterestInterest only 2Y Fixed5% min. depositOwner-occupierOffset account
Interest Rate
6.57%
Comparison Rate
7.32%
Fees
Application: $600
Ongoing: $0 p.a.
Monthly Payment
$956
Principal & InterestInterest only 3Y Fixed10% min. depositInvestmentOffset account
Interest Rate
6.57%
Comparison Rate
7.63%
Fees
Application: $600
Ongoing: $0 p.a.
Monthly Payment
$956
Principal & InterestInterest only 2Y Fixed10% min. depositInvestmentOffset account
Interest Rate
6.49%
Comparison Rate
7.74%
Fees
Application: $600
Ongoing: $0 p.a.
Monthly Payment
$948
Principal & InterestInterest only 2Y Fixed20% min. depositOffset account
Interest Rate
7.09%
Comparison Rate
8.23%
Fees
Application: $600
Ongoing: $0 p.a.
Monthly Payment
$1,008
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The Capricornian key facts

  • The Capricornian is a member-owned credit union in Central Queensland.
  • The Capricornian offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as bank accounts, insurance and personal loans.

The Capricornian home loan features

Here are the key features and details you need to know about The Capricornian's mortgage products.

FeatureDetails
Minimum depositIt is possible to get a home loan from The Capricornian with a deposit as low as 5%.
Offset account?You can get an offset account with several The Capricornian loans.
Repayment optionsSeveral The Capricornian home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from The Capricornian?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with The Capricornian you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

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