When rates rise, it helps to have a local hero on your side
Local Lending Experts
who know your community
Rate Certainty
when the market is unpredictable
Customer Owned
so decision are made with members in mind
Why Cairns Bank
A competitive fixed rate, backed by a trusted local, customer-owned bank - not a call centre.
Feel confident about your home loan
Lock in certainty
Know exactly what your repayments will be, even if rates rise elsewhere.
Feel supported, not processed
Speak directly with local lenders who genuinely care about your outcome.
Sleep easier
Less stress, more confidence, and better household budgeting.
Move with confidence
A fixed rate that helps protect your future plans.
What else you need to know
- Loan type: Plus Home Loan Owner Occupied
- Minimum loan amount: $250,000
- New money only
- Available to new and existing members
- Loan must be funded by 30 June 2026
Secure your fixed rate today
Got questions? We've got answers
Who can apply for this home loan?
This offer is available to new and existing customers who are borrowing new money of $250,000 or more.
What does "new money" mean?
“New money” refers to funds that are new to Cairns Bank. This includes:
- Home purchases
- Refinancing from another lender
- Existing Cairns Bank members borrowing additional funds.
The minimum new loan amount, or increase to existing borrowings, must be at least $250,000.
It does not apply to simply changing the rate on an existing loan without increasing the loan amount.
Is this a fixed rate?
Yes. The rate is fixed for 1 year. This provides you certainty in a changing interest rate environment.
When your fixed rate period comes to an end, your loan will revert to the applicable variable interest rate.
However we will also contact you to discuss your options and help you choose what works best for you at that time.
When does the loan need to be funded by?
To be eligible for this special offer, the loan must be approved and funded by 30 June 2026.
In simple terms, it’s not enough to just apply — the loan needs to be fully processed, approved, and funded by this date to lock in the special offer rate.
Can existing Cairns Bank members apply?
Absolutley. Existing members can access this offer as long as their borrowing meets the eligibility requirements.
What if I am not eligible for this offer?
If this particular offer isn’t the right fit, don’t worry — we have other home loan options available. Simply get in touch with our local lending team, and they’ll explain the alternatives and help you find a solution that works for your situation.
Can I come into a branch to speak to someone
Yes. You’re always welcome to visit our branch to speak with our local lending team in person. We’re here to answer your questions and guide you through your options, in a way that suits you.
How do I get started?
It’s easy. Just click “Fix My Rate”, give us a call, or come into our branch – whichever works best for you. One of our lending specialtists will be in touch to discuss your options and guide you through the next steps.