Save more
when rates fall

Save more when rates fall

Putting locals first
for 125 years.

Personal
Service

Quick turnaround on
applications

Word on the street is that interest rates may fall further in 2025,
Make sure you're prepared.

Our Classic loan gives you our lowest available interest rate of 5.99%

Classic by name, convenient by nature

Because keeping it simple makes sense.

Variable rate

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

Simple low fees

Establishment Fee of $200 plus a monthly account fee of $12.

Redraw facility

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.

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.