PLUS HOME LOAN FIXED 2YR >90 LVR PI

Home loansBank updated 27 Oct 2026

At a glance

Fixed: 2 yrs 6.94%
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.

Typical 6.62%

6.2%6.4%6.6%6.8%7%7.2%7.4%7.6%7.8%to 9.4%

This home loan: 6.94%Every other institution's lowest, 83 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 2-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
2-year fixed home loanOwner occupier, principal & interest, 80% LVR	6.94%	6.09%BankVic's Fixed Rate Home Loan - 2 years	6.62%of 84 institutions	67th lowest of 84

Rates

The one rate Cairns bank publishes for this home loan.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
FixedThe comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.	Owner occupied, P&I	2 yrs fixed	-	6.94%	6.67%	-

Rate changes

One change logged, newest first.

Date	Rate	Was	Now	Change
28 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed	6.69%	6.94%	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.

While you hold it2

ARREARS_FEE
For loans in arrears two month or more
$25
PACKAGE_FEE-PACKAGE_LOAN_FEE
$395

When particular things happen9

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
BREAK_COST_ADMINISTRATION_FEE
Payable when the whole of a fixed rate loan is repaid during any fixed rate period and any other break costs do not exceed $400
$400
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
REFIXING_FEE
Payable when changing from one fixed rate to another
$300
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

Offset accountRedrawExtra repayments

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

Compare it with others

All home loans Other Cairns bank home loans Everything Cairns bank publishes

Put this product through a calculator

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.