Cairns Bank
Personal Loan - Secured (residential)
Cairns Bank · pers loans
Provider last updated this product 2026-06-05.
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!
As published by the lender
- Security - Secured
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 7.34% | 8.21% | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| Secured by residential property | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| APPLICATION_FEE | UPFRONT | $200 | - |
| ACCOUNT_KEEPING_FEE | PERIODIC | $12 | - |
| ARREARS_FEE | PERIODIC | $25 | For loans in arrears two month or more |
| DISCHARGE_PREPARATION_FEE | EVENT | $60 | When the balance is repaid in full and a Form 3 is prepared |
| DISCHARGE_SETTLEMENT_FEE | EVENT | $100 | When required to attend at settlement |
| BANK_CHEQUE_FEE | EVENT | $12 | Payable for each cheque from a Bank (other than Cairns Bank) you request |
| CORPORATE_CHEQUE | EVENT | $10 | - |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 7.34% | 8.21% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Who can apply
- natural person
- residency status - Australian Citizen
- min age - 18
Limits
- min limit - 3000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-06-05T09:12:47.000+10:00 · Product ID: L60_Secured_-_Residential