Contact

Special Offer – No Establishment Fee

A new home loan
for less

No Establishment Fee - It's On Us!

Book an Appointment

Putting locals first
for 125 years.

Personal
Service

Quick turnaround on
applications

Save with us,
No Establishment Fee

For a limited time, Cairns Bank is offering to waive the establishment fee on our Classic home loan for the first 10 approved applicants.

CONTACT US

Classic by name, convenient by nature

Whether you’re buying or refinancing, opening a home loan is a breeze with Cairns Bank. We streamline the application process from start to finish to make it easy for you.

Variable rate

The interest rate moves with the market, so if rates go down, your repayments will too.

Simple low fees

Monthly account keeping fee of $12. Your establishment fee is free.

Redraw facility1

Pay extra savings into your home loan to reduce your interest and redraw them whenever you need.

Fast turnaround

We have the local knowledge, the flexibility and the team to get your home loan approved much faster than the big banks.

Fill in the form and our loan specialist will be in touch


Why Choose Cairns Bank?

We’re local, helpful and 100% customer-owned. It’s the way banking should be.
Learn more

Local

Getting to know you is what we’re all about. We take the time to meet with you in person to build a picture of what you need from our banking services.

Helpful

All our products are easy to understand and we’re even easier to deal with.  Our focus is on simple solutions that are just right for your situation.

Customer-owned

We’re 100% customer owned.  That means our purpose is serving our local Cairns community, not driving profits for shareholders.

A new home loan for less

Take advantage of this exclusive deal and save on your home loan today.

Book an appointment
Important Information
  1. Redraw Facility - Where the Classic product is selected, the maximum excess repayments that can be made, and the maximum redraw that will be allowed, will be $50,000.

The offer is available for new borrowings and refinances from other financial institutions (excluding internal refinances) for minimum loan amounts of $50,000 for either owner occupied purposes or residential investment purposes. Borrow up to a maximum LVR of 95% with LMI, Debt to Income (DTI) <=4, Net Income Surplus (NIS) $2,400 pa, and Net Disposable Income (NDI) > 1.00:1. The loan establishment fee of $200 is waived. Loans must be approved and funded by 31 December 2024 unless we agree otherwise. Cairns Bank reserves the right to withdraw this offer at any time and it cannot be used in conjunction with any other offer. Terms and conditions, including fees and charges, apply.

Loan applications are subject to Cairns Bank’s credit assessment criteria. All information including interest rates is subject to change without notice. Full details are available on application. Terms and conditions, and fees and charges, apply.

 

General Advice Warning:
The information provided is general advice only and does not take into account your individual objectives, financial circumstances, and personal needs. You should consider the appropriateness of this advice with regard to your particular financial situation and needs. We advise that you should carefully read our Terms and Conditions, Financial Services Guide, Fees and Charges, and Credit Guide, before acquiring a product. For full details on our products and services and an analysis of your personal requirements, please arrange for an appointment with one of our friendly lending staff by contacting Cairns Bank.

 

© 2024 Cairns Penny Savings & Loans Ltd T/as Cairns Bank ABN 68 087 933 757 | TEL: 4031 4460 | AFSL and Australian Credit Licence No 244324.