Cairns bank
CLASSIC HOME LOAN VARIABLE <60 LVR PI
CLASSIC HOME LOAN VARIABLE <60 LVR PI
Home loansBank updated 12 Aug 2026
At a glance
- Variable (owner occ. P&I)
- 6.24% · 5.95% comparison
- Features
- redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years. | Owner occupied · P&I | — | — | 6.24% | 5.95% | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ADDITIONAL_REDRAW_FEE | Event | $20 | — | Payable in respect of each redraw in a month after the first free redraw |
| BANK_CHEQUE_FEE | Event | $12 | — | Payable for each cheque from a Bank (other than Cairns Bank) you request |
| CORPORATE_CHEQUE | Event | $10 | — | — |
| 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 |
| LOAN_SWITCHING_FEE | Event | $200 | — | When you apply for consent to any matter relating to the variation of this loan contract or the security (other than a matter for which a specific fee is payable) |
| SUBSEQUENT_DEALING_FEE | Event | $200 | — | When you apply for consent to a subsequent dealing with the mortgaged property |
| VARIATION_OF_LOAN_CONTRACT_FEE | Event | $200 | — | Payable when you apply to vary a loan contract |
| ACCOUNT_KEEPING_FEE | Periodic | $12 | — | — |
| ARREARS_FEE | Periodic | $25 | — | For loans in arrears two month or more |
| ESTABLISHMENT_FEE-LOAN_ESTABLISHMENT_FEE | Upfront | $200 | — | — |
§ 03 — Features
RedrawExtra repayments
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: AUSTRALIAN CITIZEN
- · Available to individuals
- · Amount $50,000 to $2,000,000
§ 06 — Run the numbers
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Published by Cairns bank under the Consumer Data Right, last changed by them on 12 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.