Category: Home Loans Last UpdatedJune 4, 2026EffectiveAugust 19, 2026
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.
Interest Rate 6.19% PA
Comparison Rate 6.26%PA*
Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Features
OtherAdditional Information:Split Loan - maximum 4 splits. 1 Plus Product Annual Fee charged to primary loan account
RedrawAdditional Information:Minimum redraw amount is $1,000.
OffsetAdditional Information:Offset accounts available
Extra RepaymentsAdditional Information:The combined balance of extra repayments in the offset account(s) and redraw must not exceed $200,000 in total
Product Eligibility
Natural Person
Min Age - 18.
Residency Status - Australian Citizen.
Bank Fees and Charges
Additional Redraw Fee (Event), Amount: Not Listed.. Additional Information: Payable in respect of each redraw in a month after the first free redraw
Arrears Fee (Periodic), Amount: Not Listed.. Additional Information: For loans in arrears two month or more
Bank Cheque Fee (Event), Amount: Not Listed.. Additional Information: Payable for each cheque from a Bank (other than Cairns Bank) you request
Corporate Cheque (Event), Amount: Not Listed..
Discharge Preparation Fee (Event), Amount: Not Listed.. Additional Information: When the balance is repaid in full and a Form 3 is prepared
Discharge Settlement Fee (Event), Amount: Not Listed.. Additional Information: When required to attend at settlement
Package Fee-package Loan Fee (Periodic), Amount: Not Listed..
Subsequent Dealing Fee (Event), Amount: Not Listed.. Additional Information: When you apply for consent to a subsequent dealing with the mortgaged property
Variation Of Loan Contract Fee (Event), Amount: Not Listed.. Additional Information: Payable when you apply to vary a loan contract
Limitations & Restrictions (Constraints)
Min Limit of 150000.00 Additional Information: Eligible minimum loan amount
Max Limit of 2000000.00 Additional Information: Eligible maximum loan amount
