Cairns Bank rates

Cairns Bank (Cairns bank on the Consumer Data Right register) publishes 88 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.

Cairns Bank's lowest home loan rate is 6.44% on Plus Home Loan Fixed 1yr <60 LVR PI, 0.30 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 3.20% on Childrens saver account, 0.80 points below the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. Cairns Bank repriced 77 products in the last 30 days, most recently lifting Classic Investment HL Bridging Variable >90 LVR IO on 29 October 2026, from 8.99% to 9.24%.

Home loans

Product	Advertised rate	Comparison rate
Plus Home Loan Fixed 1yr <60 LVR PI	6.44%	6.26%
Classic Home Loan Variable <60 LVR PI	6.49%	5.95%
Plus Home Loan Fixed 1yr 60-80 LVR PI	6.49%	6.31%
Plus Home Loan Fixed 2yr <60 LVR PI	6.49%	6.23%
Classic Home Loan Variable 60-80 LVR PI	6.54%	6.00%
Investment Plus HL Fixed 1yr <60 LVR PI	6.54%	6.36%
Plus Home Loan Fixed 2yr 60-80 LVR PI	6.54%	6.28%
Classic Investment HL Variable <60 LVR PI	6.59%	6.05%
Investment Plus HL Fixed 1yr 60-80 LVR PI	6.59%	6.40%
Investment Plus HL Fixed 2yr <60 LVR PI	6.59%	6.33%
Plus Home Loan Fixed 3yr <60 LVR PI	6.59%	6.20%
Plus Home Loan Variable <60 LVR	6.59%	6.27%
Classic Investment HL Variable 60-80 LVR PI	6.64%	6.10%
Investment Plus HL Fixed 2yr 60-80 LVR PI	6.64%	6.38%
Plus Home Loan Fixed 3yr 60-80 LVR PI	6.64%	6.25%
Plus Home Loan Variable 60-80 LVR PI	6.64%	6.32%
Classic Home Loan Variable <60 LVR IO	6.69%	6.15%
Investment Plus HL Fixed 3yr <60 LVR PI	6.69%	6.30%
Investment Plus HL Variable <60 LVR PI	6.69%	6.37%
Plus Home Loan Fixed 1yr 80-90 LVR PI	6.69%	6.50%
Classic Home Loan Variable 60-80 LVR IO	6.74%	6.20%
Classic Home Loan Variable 80-90 LVR PI	6.74%	6.20%
Investment Plus HL Fixed 1yr <60 LVR IO	6.74%	6.55%
Investment Plus HL Fixed 3yr 60-80 LVR PI	6.74%	6.34%
Investment Plus HL Variable 60-80 LVR PI	6.74%	6.42%
Plus Home Loan Fixed 2yr 80-90 LVR PI	6.74%	6.47%
Classic Investment HL Variable <60 LVR IO	6.79%	6.25%
Investment Plus HL Fixed 1yr 60-80 LVR IO	6.79%	6.60%
Investment Plus HL Fixed 1yr 80-90 LVR PI	6.79%	6.60%
Investment Plus HL Fixed 2yr <60 LVR IO	6.79%	6.53%
Classic Investment HL Variable 60-80 LVR IO	6.84%	6.30%
Classic Investment HL Variable 80-90 LVR PI	6.84%	6.30%
Investment Plus HL Fixed 2yr 60-80 LVR IO	6.84%	6.57%
Investment Plus HL Fixed 2yr 80-90 LVR PI	6.84%	6.57%
Plus Home Loan Fixed 3yr 80-90 LVR PI	6.84%	6.44%
Plus Home Loan Variable 80-90 LVR PI	6.84%	6.51%
Investment Plus HL Fixed 3yr <60 LVR IO	6.89%	6.50%
Investment Plus HL Variable <60 LVR IO	6.89%	6.56%
Plus Home Loan Fixed 1yr >90 LVR PI	6.89%	6.70%
Classic Home Loan Variable >80-90 LVR IO	6.94%	6.40%
Classic Home Loan Variable >90 LVR PI	6.94%	6.40%
Investment Plus HL Fixed 3yr 60-80 LVR IO	6.94%	6.54%
Investment Plus HL Fixed 3yr 80-90 LVR PI	6.94%	6.54%
Investment Plus HL Variable 60-80 LVR IO	6.94%	6.61%
Investment Plus HL Variable 80-90 LVR PI	6.94%	6.61%
Plus Home Loan Fixed 2yr >90 LVR PI	6.94%	6.67%
Investment Plus HL Fixed 1yr 80-90 LVR IO	6.99%	6.80%
Investment Plus HL Fixed 1yr >90 LVR PI	6.99%	6.80%
Classic Investment HL Variable 80-90 LVR IO	7.04%	6.50%
Classic Investment HL Variable >90 LVR PI	7.04%	6.50%
Investment Plus HL Fixed 2yr 80-90 LVR IO	7.04%	6.77%
Investment Plus HL Fixed 2yr >90 LVR PI	7.04%	6.77%
Plus Home Loan Fixed 3yr >90 PI	7.04%	6.64%
Plus Home Loan Variable >90 PI	7.04%	6.71%
Classic Home Loan Variable >90 LVR IO	7.14%	6.60%
Investment Plus HL Fixed 3yr >90 LVR PI	7.14%	6.74%
Investment Plus HL Plus Fixed 3yr 80-90 LVR IO	7.14%	6.74%
Investment Plus HL Variable 80-90 LVR IO	7.14%	6.81%
Investment Plus HL Variable >90 LVR PI	7.14%	6.81%
Investment Plus HL Fixed 1yr >90 LVR IO	7.19%	7.00%
Classic Investment HL Variable >90 LVR IO	7.24%	6.70%
Investment Plus HL Fixed 2yr >90 LVR IO	7.24%	6.97%
Investment Plus HL Fixed 3yr >90 LVR IO	7.34%	6.94%
Investment Plus HL Variable >90 LVR IO	7.34%	7.01%
Classic Home Loan Bridging Variable <60 LVR IO restricted	8.69%	8.72%
Classic Home Loan Bridging Variable 60-80 LVR IO restricted	8.74%	8.77%
Classic Investment HL Bridging Variable <60 LVR IO restricted	8.79%	8.82%
Classic Investment HL Bridging Variable 60-80 LVR IO restricted	8.84%	8.87%
Classic Home Loan Bridging Variable 80-90 LVR IO restricted	8.94%	8.97%
Classic Investment HL Bridging Variable 80-90 LVR IO restricted	9.04%	9.07%
Classic Home Loan Bridging Variable >90 LVR IO restricted	9.14%	9.17%
Classic Investment HL Bridging Variable >90 LVR IO restricted	9.24%	9.27%

Savings accounts

Product	Advertised rate
Childrens saver account	3.20%
Online Saver account	2.75%
Christmas Saver Account	2.25%

Term deposits

Product	Advertised rate
Term deposits 12mths over $500,000 mthly interest	5.00%
Term deposits 1mth under $500,000	5.00%
Term deposits 3mths under $500,000	5.00%
Term deposits 24mths under $500,000	3.75%
Term deposits 12mths under $500,000	1.25%

Transaction accounts

Product	Advertised rate
Pensioner Account	3.00%
Business account	0.01%

Personal loans

Product	Advertised rate	Comparison rate
Personal Loan - Secured (residential)	7.34%	8.21%
Personal Loan - Secured PPSR	8.00%	8.87%
Personal Loan - Unsecured	9.50%	12.59%

Business loans

Product	Advertised rate
Commercial Loan	7.29%

Overdrafts

Product	Advertised rate
Business overdraft (secured)	7.25%
Cairns Bank personal overdraft	10.00%

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