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Cairns Bank · Business loans
Commercial Loan
Cairns Bank's Commercial Loan is a business loan. The figures are the ones Cairns Bank publishes under the Consumer Data Right today. The advertised rate last moved on 15 October 2026, down from 7.74% to 7.29%.
Advertised rate
7.29%
headline tier
Tiers
1
current rate rows
Last moved
-0.45pp
15 October 2026
Advertised rate, last 30 days. Between 7.29% and 7.74% over the last 30 days.
Every current rate (1)
| Tier | Rate |
|---|---|
| Fixed 2 years, P&I | 7.29% |
Rate moves, last 30 days
- 15 October 2026: Fixed 2 years, P&I cut 0.45pp, from 7.74% to 7.29%.
Published fees
| Fee | Amount |
|---|---|
| Account keeping feerecurring | $12 |
| Arrears feerecurring: For loans in arrears two month or more | $25 |
| Additional redraw feewhen it happens: Payable in respect of each redraw in a month after the first free redraw | $20 |
| Bank cheque feewhen it happens: Payable for each cheque from a Bank (other than Cairns Bank) you request | $12 |
| Corporate chequewhen it happens | $10 |
| Discharge preparation feewhen it happens: When the balance is repaid in full and a Form 3 is prepared | $60 |
| Discharge settlement feewhen it happens: When required to attend at settlement | $100 |
| Variation of loan contract feewhen it happens: Payable when you apply to vary a loan contract | $200 |
| Subsequent dealing feewhen it happens: When you apply for consent to a subsequent dealing with the mortgaged property | $200 |
| Inward dishonour feewhen it happens: If a cheque received by the Credit Provider is dishonoured this fee will be debited to your account. | $20 |
| Commercial loan applicationupfront: Minimum Fee of $500 | see lender |
Get an email the morning Cairns Bank moves this rate.
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