Each link opens Cairns Bank’s products in that category, shown with the same figures we use for the rest of the market.
Lowest variable rate, owner-occupied, principal & interest6.24% p.a.5.95% p.a. comparison rate*Classic Home Loan Variable <60 LVR Pi Variable owner-occupied principal and interest rates on 8 of its 28 home loans run from 6.24% to 6.79% p.a., with comparison rates from 5.95% to 6.71% p.a. Of its 28 rate options, 12 are fixed and 16 variable. Its average variable owner-occupied principal and interest rate is 6.48% p.a. (comparison 6.30% p.a.), against a market average of 6.85% p.a. (comparison 6.97% p.a.) across 389 home loans from 101 providers.*
Includes Classic Home Loan Variable <60 LVR Pi, Classic Home Loan Variable 60-80 LVR Pi, Plus Home Loan Variable <60 LVR, Plus Home Loan Variable 60-80 LVR Pi, Classic Home Loan Variable 80-90 LVR Pi, Plus Home Loan Variable 80-90 LVR Pi, Classic Home Loan Variable >90 LVR Pi, Plus Home Loan Variable >90 Pi
All 8 of its variable home loans show no rate change since the RBA’s 29 Sep 2026 decision.
Lowest advertised rate7.34% p.a.8.21% p.a. comparison rate*Personal Loan - Secured (residential) Advertised rates across its 3 personal loans run from 7.34% to 9.50% p.a., with comparison rates from 8.21% to 12.59% p.a. Of those, 3 publish a variable rate. Its average advertised rate is 8.28% p.a. (comparison 9.89% p.a.), against a market average of 9.39% p.a. (comparison 10.12% p.a.) across 186 personal loans from 72 providers. None of these headline rates has changed in the last 30 days.*
Products Personal Loan - Secured (residential), Personal Loan - Secured PPSR, Personal Loan - Unsecured
Highest advertised rate3.10% p.a.Childrens saver account
Advertised rates across its 3 savings accounts run from 2.00% to 3.10% p.a. Its average advertised rate is 2.62% p.a., against a market average of 3.30% p.a. across 312 savings accounts from 85 providers.
Products Childrens saver account, Online Saver account, Christmas Saver Account
All 3 of its savings accounts show no rate change since the RBA’s 29 Sep 2026 decision.
Highest advertised rate5.00% p.a.Term deposits 1mth under $500,000
Advertised rates across its 5 term deposits run from 1.25% to 5.00% p.a. Terms run from 2 months to 1096 days. Its average advertised rate is 3.90% p.a., against a market average of 4.13% p.a. across 647 term deposits from 85 providers. None of these headline rates has changed in the last 30 days.
Products Term deposits 1mth under $500,000, Term deposits 12mths over $500,000 mthly interest, Term deposits 3mths under $500,000, Term deposits 24mths under $500,000, Term deposits 12mths under $500,000
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
*Warning: the comparison rates shown for personal loans are calculated by each lender on its own standard example, usually a $30,000 loan over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and terms and conditions or credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.