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The Capricornian home loans

The Capricornian is a credit union based in Central Queensland offering a full range of financial products and services. To bank with The Capricornian, you need to be a member, however unlike banks, the profits of credit unions are reinvested into the business and members, who also get a say in how the credit union is run. The credit union meets the same regulatory standards as banks and is a prudent and strong financial service provider.

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Why choose The Capricornian


  • Personalised service.
  • Opportunity to bundle other financial products.
  • Generous introductory rate period.


  • Must be a member and apply in branch.
  • Higher rates for smaller variable loans.
  • Limited branch access.

The Capricornian Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

The Capricornian customer service

The Capricornian has a head office in Rockhampton, Queensland, and has a few other branches in Central Queensand which you can visit five days a week. Customers are also able to conduct telephone or internet banking 24/7. They also offer access to RediATM facilities,  which includes the thousands of NAB terminals and Cashcard ATMs around Australia.

  • Customer service centre (phone)
  • ATMs
  • Mobile app
  • Online banking
  • Email inquiries
  • Queensland branches

How to Apply

The Capricornian is a member-owned financial institution and to become a member, you need to buy a share. But then you’ll become a part owner of the credit union. You’ll need to be an Australian resident to apply in person at a Capricornian branch.  Documents you need to apply for a home loan include:

  • Personal identification material.
  • Proof of income – whether you are self-employed or work for an employer.
  • Proof of other income, including rental income.
  • Information regarding your current debts, liabilities and assets.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.