Home loans for locals.

Buying or refinancing? Talk to us about our great rates.

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  • Putting locals first for 125 years.
  • Personal service.
  • Quick turnaround on applications.

How can we help you today?

Banking

Home loans

Car & Personal loans

With a Cairns Bank home loan you get

Competitive rates

Flexible loan features

Personal service

Quick turnaround

Enjoy competitive fixed and variable rates

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Interest rate from

5.34% p.a.,1

%
p.a.
Comparison rate from

5.95% p.a.,1,2

%
p.a.

Plus Owner Occupied Fixed 3 Year Interest Rate LVR ≤60%

The way banking should be

At Cairns Bank we’re local, helpful and 100% customer-owned. We take pride in the personal service we deliver to our valued customers, and we love being a part of the Cairns community.

“Friendly and efficient staff.”
NatalieBayview
“Smooth and easy home loan process and a fantastic point of difference is accessible face to face / over the phone contact.”
LainieMooroobool
“Always the best customer service!”
BradleyTrinity Beach
“The fact that you look at your clients as individuals and not just numbers that need to fit the system :).”
BrentonWhite Rock
“I just wanted to say thank you! It was very important for to get this loan, and Cairns Bank made it happen. Your staff are wonderful! I feel like I've joined a family, not just a bank.”
Amanda

What is a customer-owned bank?​

A customer owned bank is a bank that’s owned by the customers instead of shareholders. This means we run the bank purely to meet our customers’ needs.  We don’t have external shareholders, who would expect us to reward them with payments from our profits.

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