Home loans for locals.

Buying or refinancing? Talk to us about our great rates.

Find out more
  • Putting locals first for 125 years.
  • Personal service.
  • Quick turnaround on applications.

How can we help you today?

Banking

Home loans

Car & Personal loans

With a Cairns Bank home loan you get

Competitive rates

Flexible loan features

Personal service

Quick turnaround

Enjoy competitive fixed and variable rates

Find out more
Interest rate from

5.34% p.a.,1

%
p.a.
Comparison rate from

5.95% p.a.,1,2

%
p.a.

Plus Owner Occupied Fixed 3 Year Interest Rate LVR ≤60%

The way banking should be

At Cairns Bank we’re local, helpful and 100% customer-owned. We take pride in the personal service we deliver to our valued customers, and we love being a part of the Cairns community.

“Friendly and efficient staff.”
NatalieBayview
“Smooth and easy home loan process and a fantastic point of difference is accessible face to face / over the phone contact.”
LainieMooroobool
“Always the best customer service!”
BradleyTrinity Beach
“The fact that you look at your clients as individuals and not just numbers that need to fit the system :).”
BrentonWhite Rock
“I just wanted to say thank you! It was very important for to get this loan, and Cairns Bank made it happen. Your staff are wonderful! I feel like I've joined a family, not just a bank.”
Amanda
"I’m very impressed with the personal service given by cairns bank, I felt like a person not a number dealing with all staff members! I would highly recommend Cairns bank for personal and prompt service be it by phone or email."
KarenMossman
"Very happy with the team at Cairns Bank, always available to answer questions, and easy to communicate with, most definitely recommend."💯 👍
JoelRedlynch
"We achieved our dream of home ownership thanks to Cairns Bank. They really did go the extra mile to help us. We tried another broker and several other lenders before, Cairns Bank helped us when nobody else would. I would 100% recommend Cairns Bank to anyone. Also happy to keep the money local."
StevenSmithfield
"Best service I have ever come across in 50 years."
HertzogCronulla

What is a customer-owned bank?​

A customer owned bank is a bank that’s owned by the customers instead of shareholders. This means we run the bank purely to meet our customers’ needs.  We don’t have external shareholders, who would expect us to reward them with payments from our profits.

Find out more