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.
The Capricornian home loans
Other available products
Why choose The Capricornian
Benefits
- Personalised service.
- Opportunity to bundle other financial products.
- Generous introductory rate period.
Drawbacks
- Must be a member and apply in branch.
- Higher rates for smaller variable loans.
- Limited branch access.
The Capricornian Home Loans
Compare
Australian Credit Licence 246780
Interest Rate
Comparison Rate*
Repayment
5.99%
p.a
Variable
6.03%
p.a
$2,253
monthly
Go to site
Australian Credit Licence 246780
Compare
Australian Credit Licence 246780
Interest Rate
Comparison Rate*
Repayment
6.19%
p.a
Variable
6.24%
p.a
$2,296
monthly
Go to site
Australian Credit Licence 246780
Compare
Australian Credit Licence 246780
Interest Rate
Comparison Rate*
Repayment
6.39%
p.a
Variable
6.43%
p.a
$2,339
monthly
Go to site
Australian Credit Licence 246780
Compare
Australian Credit Licence 246780
Interest Rate
Comparison Rate*
Repayment
6.39%
p.a
Variable
6.44%
p.a
$2,339
monthly
Go to site
Australian Credit Licence 246780
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated mortgage repayments
at interest rate 5.75%
Total interest payable
$0
Total loan repayments
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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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