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Home loans for locals.

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

With a Cairns Bank home loan you get

Competitive rates

Flexible loan features

Personal service

Quick turnaround

Enjoy competitive fixed and variable rates

Interest rate from

6.39% p.a.,1

Comparison rate from

7.34% p.a.,2


2 year fixed rate on owner occupied or investment home loans with principal and interest repayments.

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.

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.