Cairns bankPLUS HOME LOAN VARIABLE 80-90 LVR PI
PLUS HOME LOAN VARIABLE 80-90 LVR PI
At a glance
- Variable (owner occ. P&I)
- 6.84%6.51% comparison
- 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 |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.84% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 87th lowest of 104, level with one other |
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 | - | - | 6.84% | 6.51% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 28 Oct 2026 | Variable, Owner occupied, P&I | 6.59% | 6.84% | 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
8 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 happen6
- 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 - SUBSEQUENT_DEALING_FEE
When you apply for consent to a subsequent dealing with the mortgaged property
$200
Features
- Split Loan - maximum 4 splits. 1 Plus Product Annual Fee charged to primary loan account
Eligibility and limits
- Minimum age 18
- Residency: AUSTRALIA CITIZEN
- Available to individuals
- Amount $150,000 to $2,000,000
Compare it with others
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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.