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 November 26, 2025 Effective December 22, 2025

General Lending Rates

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

Interest Rate
6.59% 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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