The Capricornian Premium Choice Home Loan Fixed (Principal and Interest) 2 Years (LVR < 80%) | Review & Compare Home Loans

Summary
Features & fees
Similar

Advertised Rate

2.79%

Fixed - 2 years

Comparison Rate*

3.98%

Maximum LVR

90%

Real Time Rating™

Monthly Repayment

$1,231

based on $300,000 loan amount for 25 years

Pros and Cons

Pros

No ongoing fees
Parents can sign as guarantor
Repayments will not change during fixed period

Cons

Limited extra repayments
No redraw and no offset
Discharge fee at end of loan
Repayments won't decrease if RBA cuts rates

The Capricornian Fees and Features

Maximum LVR 90%	Interest rate structure Fixed - 2 years
Borrowing range $50k - $100m Calculate how much you can borrow	Total Repayments $443,160 View repayment schedule »
Principal & interest	Interest only
Loan term range 1 - 30 years	Offset account No
Extra repayments Allowed with restrictions	Redraw facility
Allows split interest	Suitable For Owner Occupiers
Applicable States ACT, NSW, NT, QLD, SA, TAS, VIC, WA	Make Repayments Fortnightly, Monthly, Weekly
Total estimated upfront fees $600	Application fee $600
Settlement fee $0	Valuation fee $0
Legal fee $0	Other upfront fee $0
Ongoing fee $0	Discharge fee $100
Property Type	SMSF Trustee
Minimum SMSF Amount

Other Restrictions

Application Fee is $500 if LVR <=80% and $600 if LVR >80%

Compare and review home loans with similar features

Lower Rate

SmartSaver Fixed Home Loan (Principal and Interest) 2 Years

Real Time Rating™

Advertised Rate

Comparison Rate*

2.29%

Fixed - 2 years

2.69%

No ongoing fees
Suitable for low deposits
Extra repayments + redraw services
Repayments will not change during fixed period

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More Flexibility

Star Essentials Fixed Home Loan 2 years (Amounts $150k-$850k, LVR < 80%)

Real Time Rating™

Advertised Rate

Comparison Rate*

2.06%

Fixed - 2 years

2.38%

special

Limited time only for applications received by 30 September 2020 and settle 31 December 2020. Metro locations only. Loan size up to $850k.

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Major Banks

2 Year Fixed With Wealth Package Owner Occupier P&I $150k+

Real Time Rating™

Advertised Rate

Comparison Rate*

2.29%

Fixed - 2 years

3.99%

special

$2,000 cashback for refinancers who apply before 3 August 2020 and have their loan funded by 9 October 2020. Minimum refinance amount $250,000. Eligibility criteria applies.

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Generic

Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR < 80%)

Real Time Rating™

Advertised Rate

Comparison Rate*

2.09%

Fixed - 2 years

2.98%

No upfront or ongoing fees
Repayments will not change during fixed period

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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.

Capricornian Home Loan Calculator
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