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 General Lending Rates

 Product Features

• Redraw Additional Information: Redraw of repaid principal above minimum required is available

• Offset Additional Information: An offset account can be connected to the product

• Digital Banking Additional Information: Access is available to online banking features for the product

• Npp Enabled Additional Information: An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment

• Npp Payid Additional Information: An account of this product type can be used as the target of an NPP PayID

• Notifications Additional Information: SMS and/or email notifications available

• Other Additional Information: Interest Only option available

• Other Additional Information: Variable and Fixed Rate option available

 Product Eligibility

• Residency Status Additional Information: Individuals must be citizens or permanent residents of Australia.

• Other Additional Information: You will need to become a member of the Credit Union before The Capricornian can accept a loan application.

 Bank Fees and Charges

• Mortgage Application Fee-equal To Or Less Than 80% (Upfront), Amount: 500.00. Additional Information: Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.

• Mortgage Application Fee-greater Than 80% (Upfront), Amount: 600.00. Additional Information: Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.

• Mortgage Application Fee Further Advance-equal To Or Less Than 80% (Upfront), Amount: 400.00. Additional Information: Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.

• Mortgage Application Fee Further Advance-greater Than 80% (Upfront), Amount: 600.00. Additional Information: Includes one valuation up to the cost of $300 - Excludes additional valuation costs and solicitors costs to prepare mortgage documents and settlement fees.

• Mortgage Discharge Fee-settlement (Event), Amount: 150.00. Additional Information: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.

• Mortgage Discharge Fee-non Settlement (Event), Amount: 100.00. Additional Information: This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply.

• Contract Variation Fee-mortgage Secured Loans And Overdrafts (Event), Amount: 300.00.

• Staff Assisted Loan Redraw (Withdrawal), Amount: 30.00.

• Insurance Renewal Fee (Event), Amount: 20.00.

• Fixed Rate Lock (Event), Amount: 395.00. Additional Information: Fee is greater than 0.15% of the amount of credit or $395 where funding is more than 60 days from the date of the Offer and Loan Contract

• Fixed Rate Break (Event), Amount: 0.00. Additional Information: Contact The Capricornian Ltd

• Arrears Reminder Call Fee (Event), Amount: 5.00.

• Arrears 2nd And Subsequent Reminder Letter (Event), Amount: 20.00.

• Arrears Default Notice Fee (Event), Amount: 40.00.