[Skip to the content](#main) [RateGap](/)every home loan rate lenders publish, compared # Cairns bank home loan rates Cairns bank's lowest advertised variable rate for a home you live in and pay down is **6.49%**, read Monday 2 November. That is 0.64 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.44%, fixed for one year. Have a loan with Cairns bank? Compare your rate Loan balance ($) on your statement or in your banking app Your rate (%) not the comparison rate, which adds fees Compare my rate Since the Reserve Bank’s increase on Tuesday 29 September, Cairns bank has raised its lowest advertised variable rate from 6.24% to 6.49%. The change was first seen Wednesday 28 October. [After the Reserve Bank’s increase](/market/after-the-rba) has every lender. 72 advertised rates across 72 products, published by Cairns bank under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed. ## Where it sits 6.49% Cairns bank, lowest variable rate open to anyone 5.85% The going rate 0.64 percentage points above the going rate The going rate is **the lowest rate at least three lenders reach**, so one lender's odd price cannot set it. Both are advertised new-customer rates. A negotiated discount is in neither. [Read your own rate against this](/?lender=79c63de1-b77b-eb11-a820-000d3a884a20). **Lowest variable rate, open to anyone**: 6.49% **Lowest fixed rate**: 6.44%, one year **Lowest comparison rate**: 5.95% **Rates published**: 72, across 72 products **Last rate move**: Wednesday 28 October **Last read**: Monday 2 November For a home you live in and pay down. The other loan types are in the tables below. ## Owner-occupied, principal and interest ### Variable - CLASSIC HOME LOAN VARIABLE <60 LVR PI · **6.49%** (5.95% with fees)- CLASSIC HOME LOAN VARIABLE 60-80 LVR PI · **6.54%** (6.00% with fees)- PLUS HOME LOAN VARIABLE <60 LVR · **6.59%** (6.27% with fees)- PLUS HOME LOAN VARIABLE 60-80 LVR PI · **6.64%** (6.32% with fees)- CLASSIC HOME LOAN VARIABLE 80-90 LVR PI · **6.74%** (6.20% with fees)- PLUS HOME LOAN VARIABLE 80-90 LVR PI · **6.84%** (6.51% with fees)- CLASSIC HOME LOAN VARIABLE >90 LVR PI · **6.94%** (6.40% with fees)- PLUS HOME LOAN VARIABLE >90 PI · **7.04%** (6.71% with fees) ### Fixed - PLUS HOME LOAN FIXED 1YR <60 LVR PI · one year · **6.44%** (6.26% with fees)- PLUS HOME LOAN FIXED 1YR 60-80 LVR PI · one year · **6.49%** (6.31% with fees)- PLUS HOME LOAN FIXED 2YR <60 LVR PI · two years · **6.49%** (6.23% with fees)- PLUS HOME LOAN FIXED 2YR 60-80 LVR PI · two years · **6.54%** (6.28% with fees)- PLUS HOME LOAN FIXED 3YR <60 LVR PI · three years · **6.59%** (6.20% with fees)- PLUS HOME LOAN FIXED 3YR 60-80 LVR PI · three years · **6.64%** (6.25% with fees)- PLUS HOME LOAN FIXED 1YR 80-90 LVR PI · one year · **6.69%** (6.50% with fees)- PLUS HOME LOAN FIXED 2YR 80-90 LVR PI · two years · **6.74%** (6.47% with fees)- PLUS HOME LOAN FIXED 3YR 80-90 LVR PI · three years · **6.84%** (6.44% with fees)- PLUS HOME LOAN FIXED 1YR >90 LVR PI · one year · **6.89%** (6.70% with fees)- PLUS HOME LOAN FIXED 2YR >90 LVR PI · two years · **6.94%** (6.67% with fees)- PLUS HOME LOAN FIXED 3YR >90 PI · three years · **7.04%** (6.64% with fees) No rate here says how much of the property's value it applies to. That is what Cairns bank publishes. It says nothing about how much it will lend. ## Owner-occupied, interest only 4 rates ### Variable - CLASSIC HOME LOAN VARIABLE <60 LVR IO · **6.69%** (6.15% with fees)- CLASSIC HOME LOAN VARIABLE 60-80 LVR IO · **6.74%** (6.20% with fees)- CLASSIC HOME LOAN VARIABLE >80-90 LVR IO · **6.94%** (6.40% with fees)- CLASSIC HOME LOAN VARIABLE >90 LVR IO · **7.14%** (6.60% with fees) No rate here says how much of the property's value it applies to. That is what Cairns bank publishes. It says nothing about how much it will lend. ## Investment, principal and interest 20 rates ### Variable - CLASSIC INVESTMENT HL VARIABLE <60 LVR PI · **6.59%** (6.05% with fees)- CLASSIC INVESTMENT HL VARIABLE 60-80 LVR PI · **6.64%** (6.10% with fees)- INVESTMENT PLUS HL VARIABLE <60 LVR PI · **6.69%** (6.37% with fees)- INVESTMENT PLUS HL VARIABLE 60-80 LVR PI · **6.74%** (6.42% with fees)- CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI · **6.84%** (6.30% with fees)- INVESTMENT PLUS HL VARIABLE 80-90 LVR PI · **6.94%** (6.61% with fees)- CLASSIC INVESTMENT HL VARIABLE >90 LVR PI · **7.04%** (6.50% with fees)- INVESTMENT PLUS HL VARIABLE >90 LVR PI · **7.14%** (6.81% with fees) ### Fixed - INVESTMENT PLUS HL FIXED 1YR <60 LVR PI · one year · **6.54%** (6.36% with fees)- INVESTMENT PLUS HL FIXED 1YR 60-80 LVR PI · one year · **6.59%** (6.40% with fees)- INVESTMENT PLUS HL FIXED 2YR <60 LVR PI · two years · **6.59%** (6.33% with fees)- INVESTMENT PLUS HL FIXED 2YR 60-80 LVR PI · two years · **6.64%** (6.38% with fees)- INVESTMENT PLUS HL FIXED 3YR <60 LVR PI · three years · **6.69%** (6.30% with fees)- INVESTMENT PLUS HL FIXED 3YR 60-80 LVR PI · three years · **6.74%** (6.34% with fees)- INVESTMENT PLUS HL FIXED 1YR 80-90 LVR PI · one year · **6.79%** (6.60% with fees)- INVESTMENT PLUS HL FIXED 2YR 80-90 LVR PI · two years · **6.84%** (6.57% with fees)- INVESTMENT PLUS HL FIXED 3YR 80-90 LVR PI · three years · **6.94%** (6.54% with fees)- INVESTMENT PLUS HL FIXED 1YR >90 LVR PI · one year · **6.99%** (6.80% with fees)- INVESTMENT PLUS HL FIXED 2YR >90 LVR PI · two years · **7.04%** (6.77% with fees)- INVESTMENT PLUS HL FIXED 3YR >90 LVR PI · three years · **7.14%** (6.74% with fees) No rate here says how much of the property's value it applies to. That is what Cairns bank publishes. It says nothing about how much it will lend. ## Investment, interest only 20 rates ### Variable - CLASSIC INVESTMENT HL VARIABLE <60 LVR IO · **6.79%** (6.25% with fees)- CLASSIC INVESTMENT HL VARIABLE 60-80 LVR IO · **6.84%** (6.30% with fees)- INVESTMENT PLUS HL VARIABLE <60 LVR IO · **6.89%** (6.56% with fees)- INVESTMENT PLUS HL VARIABLE 60-80 LVR IO · **6.94%** (6.61% with fees)- CLASSIC INVESTMENT HL VARIABLE 80-90 LVR IO · **7.04%** (6.50% with fees)- INVESTMENT PLUS HL VARIABLE 80-90 LVR IO · **7.14%** (6.81% with fees)- CLASSIC INVESTMENT HL VARIABLE >90 LVR IO · **7.24%** (6.70% with fees)- INVESTMENT PLUS HL VARIABLE >90 LVR IO · **7.34%** (7.01% with fees) ### Fixed - INVESTMENT PLUS HL FIXED 1YR <60 LVR IO · one year · **6.74%** (6.55% with fees)- INVESTMENT PLUS HL FIXED 1YR 60-80 LVR IO · one year · **6.79%** (6.60% with fees)- INVESTMENT PLUS HL FIXED 2YR <60 LVR IO · two years · **6.79%** (6.53% with fees)- INVESTMENT PLUS HL FIXED 2YR 60-80 LVR IO · two years · **6.84%** (6.57% with fees)- INVESTMENT PLUS HL FIXED 3YR <60 LVR IO · three years · **6.89%** (6.50% with fees)- INVESTMENT PLUS HL FIXED 3YR 60-80 LVR IO · three years · **6.94%** (6.54% with fees)- INVESTMENT PLUS HL FIXED 1YR 80-90 LVR IO · one year · **6.99%** (6.80% with fees)- INVESTMENT PLUS HL FIXED 2YR 80-90 LVR IO · two years · **7.04%** (6.77% with fees)- INVESTMENT PLUS HL PLUS FIXED 3YR 80-90 LVR IO · three years · **7.14%** (6.74% with fees)- INVESTMENT PLUS HL FIXED 1YR >90 LVR IO · one year · **7.19%** (7.00% with fees)- INVESTMENT PLUS HL FIXED 2YR >90 LVR IO · two years · **7.24%** (6.97% with fees)- INVESTMENT PLUS HL FIXED 3YR >90 LVR IO · three years · **7.34%** (6.94% with fees) No rate here says how much of the property's value it applies to. That is what Cairns bank publishes. It says nothing about how much it will lend. ## Restricted to particular groups | Product | Who it is for | Rate | | --- | --- | --- | | CLASSIC HOME LOAN BRIDGING VARIABLE <60 LVR IO | a particular group only, per its published conditions | 8.69% | | CLASSIC HOME LOAN BRIDGING VARIABLE 60-80 LVR IO | a particular group only, per its published conditions | 8.74% | | CLASSIC INVESTMENT HL BRIDGING VARIABLE <60 LVR IO | a particular group only, per its published conditions | 8.79% | | CLASSIC INVESTMENT HL BRIDGING VARIABLE 60-80 LVR IO | a particular group only, per its published conditions | 8.84% | | CLASSIC HOME LOAN BRIDGING VARIABLE 80-90 LVR IO | a particular group only, per its published conditions | 8.94% | | CLASSIC INVESTMENT HL BRIDGING VARIABLE 80-90 LVR IO | a particular group only, per its published conditions | 9.04% | | CLASSIC HOME LOAN BRIDGING VARIABLE >90 LVR IO | a particular group only, per its published conditions | 9.14% | | CLASSIC INVESTMENT HL BRIDGING VARIABLE >90 LVR IO | a particular group only, per its published conditions | 9.24% | The data says a product *is* restricted. It never says whether you would get it. On [the comparison](/) every one of these can be put back with a click, and every figure is worked out again. ## What changed Cairns bank last moved a rate on **Wednesday 28 October**. Every rate is read each morning and has come back the same since. [Every lender that publishes rates](/lenders), and [every rate move since capture began](/data/history). ## Beside it Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 64 publish a lower one than Cairns bank's 6.49%. The nearest either side: - [MCCA](/lender/mcca) 6.43% - [Bankwest](/lender/bankwest) 6.44% - Cairns bank 6.49% - [Liberty Financial](/lender/liberty-financial) 6.49% - [Aussie Select](/lender/aussie-select) 6.53% **Does this look wrong? or could it be better** Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Cairns bank told you, it is usually one of these. ### The published data is wrong Cairns bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list. Everything identifying the feed is filled in below. The one part left is what you saw. ``` Consumer Data Right — Product Reference Data quality Data holder brand: Cairns bank ABN: 68087933757 Product Reference Data endpoint: https://openbanking.cairnsbank.com.au/OpenBanking Data read from that endpoint on: Sunday 1 November Rate lines published at that time: 72 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent. ``` Copy the report [Open the report form in a new tab ↗](https://forms.oaic.gov.au/forms/report) The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy. ### This page reads it wrongly The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. [Tell me and I will fix it](/#fb), and say which lender so I can find the row. ### Something is missing A figure this page should show and does not, or a lender that should be here and is not. [Tell me through the feedback box](/#fb). The data behind every page here is [free to download](/data) if you would rather check it yourself first. The other questions - [Are you paying more than you need to?](/) your rate against every lender publishing one- [How fast should you pay it off?](/paying-it-off) term, extra repayments, interest only- [Don't have a loan yet?](/buying) what to look at before you pick one- [What does each lender advertise?](/lenders) every lender that publishes rates, a page each- [What moved this week?](/market/changes-this-week) which lenders changed an advertised rate- [Where do these numbers come from?](/data) every published rate, and how fresh it is **Free, and not advice.** It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. [Who made this](/about). [What this site collects](/privacy). **More from the data** Building something with this? There is [an API](/api), and [the data is free](/data). This morning: [the market](/market), [variable rates](/market/variable-rates), [fixed rates](/market/fixed-rates) and [what moved this week](/market/changes-this-week). Found in the data: [what lenders charge above 80%](/research/lvr-bands), [the rate a fixed loan rolls onto](/research/revert-rates) and [what a comparison rate adds](/research/comparison-rates). Also [what an offset costs](/research/offset-accounts), and [what investors pay on top](/research/investor-premium).