Cairns Penny home loan rates
CAIRNS PENNY SAVINGS & LOANS LIMITED · ACL 244324 · Mutual/Credit union
Rates as at 2026-10-20. 76 rates across 10 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Cairns Bank Classic Home Loan - Principal & Interest Variable | 6.24% | 6.45% | Variable | Owner occupier | P&I | LVR <60% |
| Cairns Bank Classic Home Loan - Principal & Interest Variable | 6.29% | 6.50% | Variable | Owner occupier | P&I | LVR 60-80% |
| Cairns Bank Classic Home Loan - Principal & Interest Variable | 6.34% | 6.55% | Variable | Investment | P&I | LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Variable | 6.34% | 6.76% | Variable | Owner occupier | P&I | LVR <60% |
| Cairns Bank Classic Home Loan - Principal & Interest Variable | 6.39% | 6.60% | Variable | Investment | P&I | LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Variable | 6.39% | 6.81% | Variable | Owner occupier | P&I | LVR 60-80% |
| Cairns Bank Classic Home Loan - Interest Only Variable | 6.44% | 6.65% | Variable | Owner occupier | Interest only | LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Variable | 6.44% | 6.84% | Variable | Investment | P&I | LVR <60% |
| Cairns Bank Classic Home Loan - Interest Only Variable | 6.49% | 6.70% | Variable | Owner occupier | Interest only | LVR 60-80% |
| Cairns Bank Classic Home Loan - Principal & Interest Variable | 6.49% | 6.70% | Variable | Owner occupier | P&I | LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Variable | 6.49% | 6.91% | Variable | Investment | P&I | LVR 60-80% |
| Cairns Bank Classic Home Loan - Interest Only Variable | 6.54% | 6.75% | Variable | Investment | Interest only | LVR <60% |
| Cairns Bank Classic Home Loan - Interest Only Variable | 6.59% | 6.80% | Variable | Investment | Interest only | LVR 60-80% |
| Cairns Bank Classic Home Loan - Principal & Interest Variable | 6.59% | 6.80% | Variable | Investment | P&I | LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Variable | 6.59% | 7.00% | Variable | Owner occupier | P&I | LVR 80-90% |
| Cairns Bank Plus Home Loans - Interest Only Variable | 6.64% | 7.05% | Variable | Investment | Interest only | LVR <60% |
| Cairns Bank Classic Home Loan - Interest Only Variable | 6.69% | 6.90% | Variable | Owner occupier | Interest only | LVR 80-90% |
| Cairns Bank Classic Home Loan - Principal & Interest Variable | 6.69% | 6.90% | Variable | Owner occupier | P&I | LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Variable | 6.69% | 7.10% | Variable | Investment | Interest only | LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Variable | 6.69% | 7.10% | Variable | Investment | P&I | LVR 80-90% |
| Cairns Bank Classic Home Loan - Interest Only Variable | 6.79% | 7.00% | Variable | Investment | Interest only | LVR 80-90% |
| Cairns Bank Classic Home Loan - Principal & Interest Variable | 6.79% | 7.00% | Variable | Investment | P&I | LVR >90% |
| Cairns Bank Plus Home Loans - Principal & Interest Variable | 6.79% | 7.20% | Variable | Owner occupier | P&I | LVR >90% |
| Cairns Bank Classic Home Loan - Interest Only Variable | 6.89% | 7.10% | Variable | Owner occupier | Interest only | LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Variable | 6.89% | 7.30% | Variable | Investment | Interest only | LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Variable | 6.89% | 7.30% | Variable | Investment | P&I | LVR >90% |
| Cairns Bank Classic Home Loan - Interest Only Variable | 6.99% | 7.20% | Variable | Investment | Interest only | LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Variable | 7.09% | 7.50% | Variable | Investment | Interest only | LVR >90% |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 1 Year | 6.19% | 6.75% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 1 Year | 6.24% | 6.79% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 2 Year | 6.24% | 6.74% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 1 Year | 6.29% | 6.84% | Fixed | Investment | P&I | 1 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 2 Year | 6.29% | 6.79% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 1 Year | 6.34% | 6.89% | Fixed | Investment | P&I | 1 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 2 Year | 6.34% | 6.84% | Fixed | Investment | P&I | 2 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 3 Year | 6.34% | 6.76% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 1 Year | 6.39% | 6.94% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 2 Year | 6.39% | 6.89% | Fixed | Investment | P&I | 2 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 3 Year | 6.39% | 6.81% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 1 Year | 6.44% | 6.99% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 2 Year | 6.44% | 6.94% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 1 Year | 6.44% | 7.00% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 3 Year | 6.44% | 6.86% | Fixed | Investment | P&I | 3 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 1 Year | 6.49% | 7.04% | Fixed | Investment | Interest only | 1 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 2 Year | 6.49% | 6.99% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 2 Year | 6.49% | 6.99% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 3 Year | 6.49% | 6.91% | Fixed | Investment | P&I | 3 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 1 Year | 6.54% | 7.09% | Fixed | Investment | Interest only | 1 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 2 Year | 6.54% | 7.03% | Fixed | Investment | Interest only | 2 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 3 Year | 6.54% | 6.96% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 1 Year | 6.54% | 7.09% | Fixed | Investment | P&I | 1 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 2 Year | 6.59% | 7.08% | Fixed | Investment | Interest only | 2 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 3 Year | 6.59% | 7.00% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 2 Year | 6.59% | 7.08% | Fixed | Investment | P&I | 2 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 3 Year | 6.59% | 7.00% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 1 Year | 6.64% | 7.19% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 3 Year | 6.64% | 7.05% | Fixed | Investment | Interest only | 3 yr fixed · LVR <60% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 1 Year | 6.64% | 7.19% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 2 Year | 6.69% | 7.19% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 3 Year | 6.69% | 7.10% | Fixed | Investment | Interest only | 3 yr fixed · LVR 60-80% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 2 Year | 6.69% | 7.20% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 3 Year | 6.69% | 7.10% | Fixed | Investment | P&I | 3 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 1 Year | 6.74% | 7.29% | Fixed | Investment | Interest only | 1 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 1 Year | 6.74% | 7.29% | Fixed | Investment | P&I | 1 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 2 Year | 6.79% | 7.28% | Fixed | Investment | Interest only | 2 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 3 Year | 6.79% | 7.20% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 2 Year | 6.79% | 7.28% | Fixed | Investment | P&I | 2 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 3 Year | 6.79% | 7.20% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 1 Year | 6.84% | 7.39% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 2 Year | 6.89% | 7.38% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 3 Year | 6.89% | 7.30% | Fixed | Investment | Interest only | 3 yr fixed · LVR 80-90% |
| Cairns Bank Plus Home Loans - Principal & Interest Fixed 3 Year | 6.89% | 7.30% | Fixed | Investment | P&I | 3 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 1 Year | 6.94% | 7.48% | Fixed | Investment | Interest only | 1 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 2 Year | 6.99% | 7.48% | Fixed | Investment | Interest only | 2 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 3 Year | 6.99% | 7.40% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR >90% |
| Cairns Bank Plus Home Loans - Interest Only Fixed 3 Year | 7.09% | 7.50% | Fixed | Investment | Interest only | 3 yr fixed · LVR >90% |