Cairns Bank

Cairns Bank home loans

Cairns Bank has home loan rates starting from 2.99%.

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Cairns Bank is an Australian bank. Cairns Bank offers a range of home loans for Australian borrowers. Check out the full table of Cairns Bank products below or read more about the lender.

Compare Cairns Bank home loans for December 2021

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

Cairns Bank Standard Fixed Home Loan P&I 1Y Fixed≥ 5% Deposit

Cairns Bank Standard Fixed Home Loan
  • App: $882
  • Ongoing: $12 per month
Borrow from $10,000 up to $1,000,000.

Cairns Bank Standard Variable Home Loan P&I≥ 5% Deposit

Cairns Bank Standard Variable Home Loan
  • App: $882
  • Ongoing: $12 per month

Cairns Bank Standard Fixed Home Loan P&I 3Y Fixed≥ 5% Deposit

Cairns Bank Standard Fixed Home Loan
  • App: $882
  • Ongoing: $12 per month
Have the ease of budgeting and knowing your repayments with Cairns Bank Standard Fixed Home Loan.

Cairns Bank Standard Fixed Home Loan P&I 2Y Fixed≥ 5% Deposit

Cairns Bank Standard Fixed Home Loan
  • App: $200
  • Ongoing: $12 per month
Borrow up to 80% LVR.

Compare up to 4 providers

Cairns Bank key facts

  • Cairns Bank is a customer-owned bank based in Cairns, Australia.
  • Cairns Bank offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as bank accounts and personal loans.

Cairns Bank home loan features

Here are the key features and details you need to know about Cairns Bank's mortgage products.

Minimum depositIt is possible to get a home loan from Cairns Bank with a deposit as low as 5%.
Offset account?You can get an offset account with several Cairns Bank loans.
Repayment optionsSeveral Cairns Bank home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Cairns Bank?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Cairns Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

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2 Responses

    Default Gravatar
    VickiJune 27, 2014

    There is a house next door to me
    At that time the house was financed through BAC;I called BAC and they said that Penny’s Loan Institution has it. I don’t want the house for myself, but I am inquiring about the sell price, or if will be for rent? I look forward to hearing from you soon.

      Avatarfinder Customer Care
      ShirleyJune 27, 2014Staff

      Hi Vicki,

      Thanks for your question.

      Unfortunately you’ve come through to, an online comparison service. Please contact the customer service team at Cairns Penny Savings and Loans directly about your enquiry.


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