Home loan

A flexible loan to assist in the purchase of a home to live in. Includes a 100% offset account.
Category: Home Loans  Last Updated March 7, 2025  Effective March 21, 2025

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information The comparison rate is calculated on a loan amount of $150,000 over 25 years with monthly repayments. WARNING: 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 may result in a different comparison rate
Interest Rate
7.09% PA
Comparison Rate
7.70%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Offset
  • Redraw

 Product Eligibility

  • Natural Person
  • Min Age - 18.
  • Residency Status - Australian Citizen.

 Bank Fees and Charges

  • Account Keeping Fee (Periodic), Amount: 12.00.
  • Additional Redraw Fee (Event), Amount: 20.00. Additional Information: Payable in respect of each redraw in a month after the first free redraw
  • Application Fee (Upfront), Amount: 200.00.
  • Arrears Fee (Periodic), Amount: 25.00. Additional Information: For loans in arrears two month or more
  • Bank Cheque Fee (Event), Amount: 12.00. Additional Information: Payable for each cheque from a Bank (other than Cairns Bank) you request
  • Corporate Cheque (Event), Amount: 10.00.
  • Discharge Preparation Fee (Event), Amount: 60.00. Additional Information: When the balance is repaid in full and a Form 3 is prepared
  • Discharge Settlement Fee (Event), Amount: 100.00. Additional Information: When required to attend at settlement
  • Loan Switching Fee (Event), Amount: 200.00. Additional Information: When you apply for consent to any matter relating to the variation of this loan contract or the security (other than a matter for which a specific fee is payable)
  • Subsequent Dealing Fee (Event), Amount: 200.00. Additional Information: When you apply for consent to a subsequent dealing with the mortgaged property
  • Variable To Fixed Rate Fee (Event), Amount: 300.00. Additional Information: Payable when changing from variable to fixed rate
  • Variation Of Loan Contract Fee (Event), Amount: 200.00. Additional Information: Payable when you apply to vary a loan contract

 Limitations & Restrictions (Constraints)

  • Min Limit of 10000.00