Product Library

Business overdraft (secured)

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

Category: Overdrafts Last Updated April 16, 2026 Effective April 29, 2026

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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