Product Library

Business overdraft (secured)

An overdraft facility to assist with day to day cash flow, secured by real estate

Category: Overdrafts Last Updated July 2, 2025 Effective December 22, 2025

General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information https://cairnsbank.com.au/banking/business-banking/secured-overdrafts/

Interest Rate
7.25% PA

Comparison Rate
0.00%PA*

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 Eligibility

Natural Person

Business

Bank Fees and Charges

Account Keeping Fee (Periodic), Amount: 12.00.

Application Fee (Upfront), Amount: 200.00.

Arrears Fee (Periodic), Amount: 25.00. Additional Information: For loans in arrears two month or more

Corporate Cheque (Event), Amount: 10.00.

Bank Cheque Fee (Event), Amount: 12.00. Additional Information: Payable for each cheque from a Bank (other than Cairns Bank) you request

Discharge Preparation Fee (Event), Amount: 60.00. Additional Information: When the balance is repaid in full and a Form 3 is prepared

Discharge Settlement Fee (Event), Amount: 100.00. Additional Information: When required to attend at settlement

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