We compare 11 rate options across 5 home loans, 1 car loan, 1 personal loan, 3 savings accounts and 1 term deposit from The Capricornian. Its lowest variable owner-occupied principal and interest rate on home loans is 6.24% p.a. (comparison 6.29% p.a.*), on the No Frills Owner Occupied Home Loan. The Capricornian last updated a product in its published data on 9 Oct 2026.
ABN
54 087 650 940
Checked against The Capricornian’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 19 Oct 2026
Compare The Capricornian Products
Each link opens The Capricornian’s products in that category, shown with the same figures we use for the rest of the market.
Lowest variable rate, owner-occupied, principal & interest6.24% p.a.6.29% p.a. comparison rate*No Frills Owner Occupied Home Loan
Variable owner-occupied principal and interest rates across its 5 home loans run from 6.24% to 8.09% p.a., with comparison rates from 6.29% to 8.14% p.a. Of its 11 rate options, 6 are fixed and 5 variable. Its average variable owner-occupied principal and interest rate is 7.03% p.a. (comparison 7.07% p.a.), against a market average of 6.85% p.a. (comparison 6.97% p.a.) across 389 home loans from 101 providers.*
Products No Frills Owner Occupied Home Loan, Variable Rate Offset Home Loan, Lifestyle Home Loan, Premium Choice Home Loan, Access Equity Home Loan, No Frills Investment Home Loan, Premium Choice Investment Loan
1 of its 5 variable home loans shows no rate change since the RBA’s 29 Sep 2026 decision: Premium Choice Home Loan.
Advertised rates across its 3 savings accounts run from 0.10% to 4.90% p.a. Of those, 1 pays a bonus rate when conditions are met. Its average advertised rate is 1.87% p.a., against a market average of 3.30% p.a. across 312 savings accounts from 85 providers.
Terms run from 3 months to 2 years. One headline rate has risen in the last 30 days.
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
*Warning: the comparison rates shown for car loans and personal loans are calculated by each lender on its own standard example, usually a $30,000 loan over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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