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
6.59% PA
Comparison Rate
8.21%PA*
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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