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Tools & Calculators

Punch in the numbers and feel confident on your borrowing journey. Or if you need a hand with the numbers get in touch.

Tools and Calculators

Borrowing power

Discover how much you can afford to borrow

Budget planner

Get a clear idea of where your money is going.

Repayment Calculator

See what your home loan repayments could be.

Stamp duty calculator

Work out the cost of stamp duty for your state or territory.

Deposit planner

Set a savings goal for your home loan deposit.

Key fact sheet

Get an overview of the overall costs of a home loan.

Personal loan calculator

Know what your car loan or personal loan repayments might be.

We'd love to meet you

As a community bank we love catching up with locals and getting to know you.

Great rates for everyone

We believe in fairness and simplicity and offer great rates to our customers, and loyalty discounts too.

Lock in your rate today

Lock in today's interest rate for the next 90 days with our rate lock feature.

Interest rates from.

6.39% p.a.,1

Comparrison rates from.

7.34% p.a.,1


Enjoy competitive fixed and variable rates on your home loan.

Tools and calculators FAQs

What is the purpose of our calculators?

We understand that before you take out a home loan that it is important to have a clear idea of your financial situation. That’s why we have designed a range of calculators that will allow you to see everything from what the cost of stamp duty could be to an overview of where your money is going each month to how much you will pay in repayments and interest over the life of the loan.

Take the time to run the numbers according to your specific scenario, but keep in mind that our calculators only provide a general overview. Our friendly team is always here to help. Book an appointment with our lending specialists.

Give us a call on (07) 4031 4460 or email us at and book in a time to come and chat.

Cairns Bank is the trading name of Cairns Penny Savings & Loans Ltd. We’ve been supporting the Cairns community with their banking needs for over 125 years.

We take pride in our personal approach to banking. Getting to know our customers and delivering simple products and services is what we’re all about.

And as a customer owned bank we make decisions based on our customers’ needs, rather than the needs of shareholders.

When you visit us in branch, there are several documents that you will need to bring with you. Visit our How to apply for a home loan page for a full rundown.

Apply for a home loan today

To find out more or to apply for a home loan, book an appointment with our friendly team or visit us in branch.