Cairns bankCLASSIC HOME LOAN VARIABLE <60 LVR PI
CLASSIC HOME LOAN VARIABLE <60 LVR PI
At a glance
- Variable (owner occ. P&I)
- 6.49%5.95% comparison
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.49% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 66th lowest of 104, level with 2 others |
Rates
The one rate Cairns bank publishes for this home loan.
| 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 | - | - | 6.49% | 5.95% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 29 Oct 2026 | Variable, Owner occupied, P&I | 6.24% | 6.49% | up 0.25 |
Each change is logged the night it appears in the rates Cairns bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
11 fees published, grouped by when they're charged.
- When you take it out$200ESTABLISHMENT_FEE-LOAN_ESTABLISHMENT_FEE
- While you hold itUp to $252 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- ESTABLISHMENT_FEE-LOAN_ESTABLISHMENT_FEE$200
While you hold it2
- ACCOUNT_KEEPING_FEE$12
- ARREARS_FEE
For loans in arrears two month or more
$25
When particular things happen8
- ADDITIONAL_REDRAW_FEE
Payable in respect of each redraw in a month after the first free redraw
$20 - BANK_CHEQUE_FEE
Payable for each cheque from a Bank (other than Cairns Bank) you request
$12 - CORPORATE_CHEQUE$10
- DISCHARGE_PREPARATION_FEE
When the balance is repaid in full and a Form 3 is prepared
$60 - DISCHARGE_SETTLEMENT_FEE
When required to attend at settlement
$100 - LOAN_SWITCHING_FEE
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)
$200 - SUBSEQUENT_DEALING_FEE
When you apply for consent to a subsequent dealing with the mortgaged property
$200 - VARIATION_OF_LOAN_CONTRACT_FEE
Payable when you apply to vary a loan contract
$200
Features
Eligibility and limits
- Minimum age 18
- Residency: AUSTRALIAN CITIZEN
- Available to individuals
- Amount $50,000 to $2,000,000
Compare it with others
Put this product through a calculator
Published by Cairns bank under the Consumer Data Right, last changed by them on 28 Oct 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.