Cairns bankPLUS HOME LOAN FIXED 1YR 60-80 LVR PI
PLUS HOME LOAN FIXED 1YR 60-80 LVR PI
At a glance
- Fixed
- 1 yr 6.49%
- Features
- offset, 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 |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.49% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 21st lowest of 82, level with 8 others |
Rates
The one rate Cairns bank publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied, P&I | 1 yr fixed | - | 6.49% | 6.31% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 28 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 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
9 fees published, grouped by when they're charged.
While you hold it2
- ARREARS_FEE
For loans in arrears two month or more
$25 - PACKAGE_FEE-PACKAGE_LOAN_FEE$395
When particular things happen7
- 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 - 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
- Split Loan - maximum 4 splits. 1 Plus Product Annual Fee charged to primary loan account
Eligibility and limits
- Minimum age 18
- Residency: AUSTRALIAN CITIZEN
- Available to individuals
- Amount $150,000 to $2,000,000
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Published by Cairns bank under the Consumer Data Right, last changed by them on 27 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.