Product Library

Personal Loan - Secured (residential)

You can use a Cairns Bank secured personal loan for almost anything, including home improvements, the holiday of a lifetime or a car for your children!

Category: Personal Loans Last Updated April 16, 2026 Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information Secured by residential property

Interest Rate
6.84% PA

Comparison Rate
8.21%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

Residency Status - Australian Citizen.

Min Age - 18.

Bank Fees and Charges

Application Fee (Upfront), Amount: 200.00.

Account Keeping Fee (Periodic), Amount: 12.00.

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

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

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

Corporate Cheque (Event), Amount: 10.00.

Limitations & Restrictions (Constraints)

Min Limit of 3000.00

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