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Cairns Bank

Comparison guide for home loan offers from Cairns Bank

Richard Whitten
Richard Whitten

Last updated:

Cairns Bank

On this page you can find information about Cairns Bank home loans. Skip ahead to the full table of products or read more about the lender.

Compare Cairns Bank home loans

Compare Cairns Bank home loan products below and hit "load more" to see a fuller selection of loans. You can also find more information on each individual product by clicking "more info".

Rates last updated April 3rd, 2020
$
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Cairns Bank Standard Fixed Home Loan - 1 Year
Cairns Bank Standard Fixed Home Loan - 1 Year
3.30%
4.36%
$882
$12 monthly ($144 p.a.)
95%
Borrow from $10000 up to $1000000.
More info
Cairns Bank Standard Variable Home Loan
Cairns Bank Standard Variable Home Loan
4.25%
4.45%
$882
$12 monthly ($144 p.a.)
95%
More info
Cairns Bank Standard Fixed Home Loan - 3 Year
Cairns Bank Standard Fixed Home Loan - 3 Year
3.70%
4.31%
$882
$12 monthly ($144 p.a.)
95%
Have the ease of budgeting and knowing your repayments with Cairns Bank Standard Fixed Home Loan.
More info
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Cairns Bank lender profile

  • Cairns Bank was established in 1899 in Cairns. It aims to provide a more personalised and friendly banking service to its customers.
  • Owned by its members, Cairns Bank's operations are similar to that of a credit union.
  • Cairns Bank also offers bank accounts and personal loans.

How do I apply for a Cairns Bank mortgage?

If you'd like to apply for a home loan from Cairns Bank, please contact the lender directly.

Eligibility

Each Cairns Bank product has specific eligibility criteria but some will apply to all products. For example:

  • 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:

  • Identification documents. You will need identification such as a driver's license, 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).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.59% p.a. and a 2.59% p.a. comparison rate.

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Logo for HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)
HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.

More info
Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.

More info
Logo for loans.com.au Essentials - Variable (Owner Occupier, P&I)
loans.com.au Essentials - Variable (Owner Occupier, P&I)

A competitive interest rate home loan with interest only options. Interest rate 2.79% p.a.
comp rate of 2.81% p.a.

More info

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2 Responses

  1. 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.

    Reply
    • Avatarfinder Customer Care
      ShirleyJune 27, 2014Staff

      Hi Vicki,

      Thanks for your question.

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

      Cheers,
      Shirley

      Reply
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