--- title: "Cairns bank products" description: "Every Cairns bank product published under Australia's Consumer Data Right — rates, fees, features and eligibility." canonical: https://www.cdrcompare.au/brands/cairns-bank source: "CDR Compare" language: en-AU last_updated: 2026-07-01T12:13:50Z --- # Cairns bank products > Every Cairns bank product published under Australia's Consumer Data Right — rates, fees, features and eligibility — on CDR Compare. **Bank** · 90 products Cairns bank is a CDR data holder in banking. Each product below links to a full page with that product's interest rates, comparison rate where published, fees, features, eligibility criteria and constraints, plus a link to apply with Cairns bank. ## Transaction & Savings Accounts (7) Everyday banking and savings accounts. - [Business account](https://www.cdrcompare.au/brands/cairns-bank/products/S8) — A transaction account for business purposes - [Childrens saver account](https://www.cdrcompare.au/brands/cairns-bank/products/S16) — Cairns Bank's Kids Saver is a children's savings account to encourage children to develop good savings habits - [Online Saver account](https://www.cdrcompare.au/brands/cairns-bank/products/S7) — An online only savings account attached to your transaction account - [Pensioner Account](https://www.cdrcompare.au/brands/cairns-bank/products/S5) — A full transaction account designed for recipients of aged or disability pensions - [Christmas Saver Account](https://www.cdrcompare.au/brands/cairns-bank/products/S6) — An account to help you save for Christmas - [Loan offset account](https://www.cdrcompare.au/brands/cairns-bank/products/S3) — A 100% offset account for home loan customers - [Everyday transaction account](https://www.cdrcompare.au/brands/cairns-bank/products/S21) — A day to day transaction account for personal use ## Term Deposits (5) Fixed-term savings with locked-in rates. - [Term deposits 1mth under $500,000](https://www.cdrcompare.au/brands/cairns-bank/products/I1_1M_UNDER_500K) — Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity. - [Term deposits 3mths under $500,000](https://www.cdrcompare.au/brands/cairns-bank/products/I1_3M_UNDER_500K) — Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity. - [Term deposits 12mths over $500,000 mthly interest](https://www.cdrcompare.au/brands/cairns-bank/products/I99_12M_OVER_500K) — Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid monthly. - [Term deposits 12mths under $500,000](https://www.cdrcompare.au/brands/cairns-bank/products/I1_12M_UNDER_500K) — Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity. - [Term deposits 24mths under $500,000](https://www.cdrcompare.au/brands/cairns-bank/products/I1_24M_UNDER_500K) — Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity. ## Home Loans (72) Residential mortgages for owner-occupiers and investors. - [CLASSIC INVESTMENT HL VARIABLE >90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_PI_90) — CLASSIC INVESTMENT HL VARIABLE >90 LVR PI - [CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_PI_80_90) — CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI - [CLASSIC INVESTMENT HL VARIABLE 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_PI_60_80) — CLASSIC INVESTMENT HL VARIABLE 60-80 LVR PI - [CLASSIC INVESTMENT HL VARIABLE <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_PI_60) — CLASSIC INVESTMENT HL VARIABLE <60 LVR PI - [CLASSIC HOME LOAN VARIABLE >90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_PI_90) — CLASSIC HOME LOAN VARIABLE >90 LVR PI - [CLASSIC HOME LOAN VARIABLE 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_PI_80_90) — CLASSIC HOME LOAN VARIABLE 80-90 LVR PI - [CLASSIC HOME LOAN VARIABLE 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_PI_60_80) — CLASSIC HOME LOAN VARIABLE 60-80 LVR PI - [CLASSIC HOME LOAN VARIABLE <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_PI_60) — CLASSIC HOME LOAN VARIABLE <60 LVR PI - [CLASSIC INVESTMENT HL BRIDGING VARIABLE <60 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_BRIDGE_IO_60) — CLASSIC INVESTMENT HL BRIDGING VARIABLE <60 LVR IO - [CLASSIC INVESTMENT HL BRIDGING VARIABLE 60-80 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_BRIDGE_IO_60_80) — CLASSIC INVESTMENT HL BRIDGING VARIABLE 60-80 LVR IO - [CLASSIC INVESTMENT HL BRIDGING VARIABLE 80-90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_BRIDGE_IO_80_90) — CLASSIC INVESTMENT HL BRIDGING VARIABLE 80-90 LVR IO - [CLASSIC INVESTMENT HL BRIDGING VARIABLE >90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_BRIDGE_IO_90) — CLASSIC INVESTMENT HL BRIDGING VARIABLE >90 LVR IO - [CLASSIC HOME LOAN BRIDGING VARIABLE <60 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_BRIDGE_IO_60) — CLASSIC HOME LOAN BRIDGING VARIABLE <60 LVR IO - [CLASSIC HOME LOAN BRIDGING VARIABLE 60-80 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_BRIDGE_IO_60_80) — CLASSIC HOME LOAN BRIDGING VARIABLE 60-80 LVR IO - [CLASSIC HOME LOAN BRIDGING VARIABLE 80-90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_BRIDGE_IO_80_90) — CLASSIC HOME LOAN BRIDGING VARIABLE 80-90 LVR IO - [CLASSIC HOME LOAN BRIDGING VARIABLE >90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_BRIDGE_IO_90) — CLASSIC HOME LOAN BRIDGING VARIABLE >90 LVR IO - [CLASSIC INVESTMENT HL VARIABLE 80-90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_IO_80_90) — CLASSIC INVESTMENT HL VARIABLE 80-90 LVR IO - [CLASSIC INVESTMENT HL VARIABLE 60-80 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_IO_60_80) — CLASSIC INVESTMENT HL VARIABLE 60-80 LVR IO - [CLASSIC INVESTMENT HL VARIABLE <60 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_IO_60) — CLASSIC INVESTMENT HL VARIABLE <60 LVR IO - [CLASSIC HOME LOAN VARIABLE >80-90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_IO_80_90) — CLASSIC HOME LOAN VARIABLE >80-90 LVR IO - [CLASSIC HOME LOAN VARIABLE 60-80 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_IO_60_80) — CLASSIC HOME LOAN VARIABLE 60-80 LVR IO - [CLASSIC HOME LOAN VARIABLE <60 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_IO_60) — CLASSIC HOME LOAN VARIABLE <60 LVR IO - [CLASSIC INVESTMENT HL VARIABLE >90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_IO_90) — CLASSIC INVESTMENT HL VARIABLE >90 LVR IO - [CLASSIC HOME LOAN VARIABLE >90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L21_CLASSIC_IO_90) — CLASSIC HOME LOAN VARIABLE >90 LVR IO - [INVESTMENT PLUS HL FIXED 1YR >90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F1_90) — INVESTMENT PLUS HL FIXED 1YR >90 LVR IO - [INVESTMENT PLUS HL FIXED 2YR >90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F2_90) — INVESTMENT PLUS HL FIXED 2YR >90 LVR IO - [INVESTMENT PLUS HL FIXED 3YR >90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F3_90) — INVESTMENT PLUS HL FIXED 3YR >90 LVR IO - [INVESTMENT PLUS HL VARIABLE >90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_VAR_90) — INVESTMENT PLUS HL VARIABLE >90 LVR IO - [INVESTMENT PLUS HL FIXED 1YR 80-90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F1_80_90) — INVESTMENT PLUS HL FIXED 1YR 80-90 LVR IO - [INVESTMENT PLUS HL FIXED 2YR 80-90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F2_80_90) — INVESTMENT PLUS HL FIXED 2YR 80-90 LVR IO - [INVESTMENT PLUS HL PLUS FIXED 3YR 80-90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F3_80_90) — INVESTMENT PLUS HL PLUS FIXED 3YR 80-90 LVR IO - [INVESTMENT PLUS HL VARIABLE 80-90 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_VAR_80_90) — INVESTMENT PLUS HL VARIABLE 80-90 LVR IO - [INVESTMENT PLUS HL FIXED 1YR 60-80 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F1_60_80) — INVESTMENT PLUS HL FIXED 1YR 60-80 LVR IO - [INVESTMENT PLUS HL FIXED 2YR 60-80 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F2_60_80) — INVESTMENT PLUS HL FIXED 2YR 60-80 LVR IO - [INVESTMENT PLUS HL FIXED 3YR 60-80 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F3_60_80) — INVESTMENT PLUS HL FIXED 3YR 60-80 LVR IO - [INVESTMENT PLUS HL VARIABLE 60-80 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_VAR_60_80) — INVESTMENT PLUS HL VARIABLE 60-80 LVR IO - [INVESTMENT PLUS HL FIXED 1YR <60 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F1_60) — INVESTMENT PLUS HL FIXED 1YR <60 LVR IO - [INVESTMENT PLUS HL FIXED 2YR <60 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F2_60) — INVESTMENT PLUS HL FIXED 2YR <60 LVR IO - [INVESTMENT PLUS HL FIXED 3YR <60 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_F3_60) — INVESTMENT PLUS HL FIXED 3YR <60 LVR IO - [INVESTMENT PLUS HL VARIABLE <60 LVR IO](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_IO_VAR_60) — INVESTMENT PLUS HL VARIABLE <60 LVR IO - [INVESTMENT PLUS HL FIXED 1YR <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F1_60) — INVESTMENT PLUS HL FIXED 1YR <60 LVR PI - [INVESTMENT PLUS HL FIXED 1YR 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F1_60_80) — INVESTMENT PLUS HL FIXED 1YR 60-80 LVR PI - [INVESTMENT PLUS HL FIXED 1YR 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F1_80_90) — INVESTMENT PLUS HL FIXED 1YR 80-90 LVR PI - [INVESTMENT PLUS HL FIXED 1YR >90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F1_90) — INVESTMENT PLUS HL FIXED 1YR >90 LVR PI - [INVESTMENT PLUS HL FIXED 2YR <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F2_60) — INVESTMENT PLUS HL FIXED 2YR <60 LVR PI - [INVESTMENT PLUS HL FIXED 2YR 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F2_60_80) — INVESTMENT PLUS HL FIXED 2YR 60-80 LVR PI - [INVESTMENT PLUS HL FIXED 2YR 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F2_80_90) — INVESTMENT PLUS HL FIXED 2YR 80-90 LVR PI - [INVESTMENT PLUS HL FIXED 2YR >90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F2_90) — INVESTMENT PLUS HL FIXED 2YR >90 LVR PI - [INVESTMENT PLUS HL FIXED 3YR <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F3_60) — INVESTMENT PLUS HL FIXED 3YR <60 LVR PI - [INVESTMENT PLUS HL FIXED 3YR 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F3_60_80) — INVESTMENT PLUS HL FIXED 3YR 60-80 LVR PI - [INVESTMENT PLUS HL FIXED 3YR 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F3_80_90) — INVESTMENT PLUS HL FIXED 3YR 80-90 LVR PI - [INVESTMENT PLUS HL FIXED 3YR >90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_F3_90) — INVESTMENT PLUS HL FIXED 3YR >90 LVR PI - [INVESTMENT PLUS HL VARIABLE <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_VAR_60) — INVESTMENT PLUS HL VARIABLE <60 LVR PI - [INVESTMENT PLUS HL VARIABLE 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_VAR_60_80) — INVESTMENT PLUS HL VARIABLE 60-80 LVR PI - [INVESTMENT PLUS HL VARIABLE 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_VAR_80_90) — INVESTMENT PLUS HL VARIABLE 80-90 LVR PI - [INVESTMENT PLUS HL VARIABLE >90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L26_PLUS_PI_VAR_90) — INVESTMENT PLUS HL VARIABLE >90 LVR PI - [PLUS HOME LOAN FIXED 1YR <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F1_60) — PLUS HOME LOAN FIXED 1YR <60 LVR PI - [PLUS HOME LOAN FIXED 1YR 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F1_60_80) — PLUS HOME LOAN FIXED 1YR 60-80 LVR PI - [PLUS HOME LOAN FIXED 1YR 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F1_80_90) — PLUS HOME LOAN FIXED 1YR 80-90 LVR PI - [PLUS HOME LOAN FIXED 1YR >90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F1_90) — PLUS HOME LOAN FIXED 1YR >90 LVR PI - [PLUS HOME LOAN FIXED 2YR <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F2_60) — PLUS HOME LOAN FIXED 2YR <60 LVR PI - [PLUS HOME LOAN FIXED 2YR 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F2_60_80) — PLUS HOME LOAN FIXED 2YR 60-80 LVR PI - [PLUS HOME LOAN FIXED 2YR 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F2_80_90) — PLUS HOME LOAN FIXED 2YR 80-90 LVR PI - [PLUS HOME LOAN FIXED 2YR >90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F2_90) — PLUS HOME LOAN FIXED 2YR >90 LVR PI - [PLUS HOME LOAN FIXED 3YR <60 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F3_60) — PLUS HOME LOAN FIXED 3YR <60 LVR PI - [PLUS HOME LOAN FIXED 3YR 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F3_60_80) — PLUS HOME LOAN FIXED 3YR 60-80 LVR PI - [PLUS HOME LOAN FIXED 3YR 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F3_80_90) — PLUS HOME LOAN FIXED 3YR 80-90 LVR PI - [PLUS HOME LOAN FIXED 3YR >90 PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_F3_90) — PLUS HOME LOAN FIXED 3YR >90 PI - [PLUS HOME LOAN VARIABLE <60 LVR](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_VAR_60) — PLUS HOME LOAN VARIABLE <60 LVR - [PLUS HOME LOAN VARIABLE 60-80 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_VAR_60_80) — PLUS HOME LOAN VARIABLE 60-80 LVR PI - [PLUS HOME LOAN VARIABLE 80-90 LVR PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_VAR_80_90) — PLUS HOME LOAN VARIABLE 80-90 LVR PI - [PLUS HOME LOAN VARIABLE >90 PI](https://www.cdrcompare.au/brands/cairns-bank/products/L25_PLUS_PI_VAR_90) — PLUS HOME LOAN VARIABLE >90 PI ## Personal Loans (3) Unsecured and secured personal lending. - [Personal Loan - Secured (residential)](https://www.cdrcompare.au/brands/cairns-bank/products/L60_Secured_-_Residential) — You can use a Cairns Bank secured personal loan for almost anything, including home improvements, the holiday of a lifetime or a car for your children! - [Personal Loan - Secured PPSR](https://www.cdrcompare.au/brands/cairns-bank/products/L60_Secured_PPSR) — You can use a Cairns Bank secured personal loan for almost anything, including home improvements, the holiday of a lifetime or a car for your children! - [Personal Loan - Unsecured](https://www.cdrcompare.au/brands/cairns-bank/products/L60_Unsecured) — You can use a Cairns Bank unsecured personal loan for almost anything, including home improvements, the holiday of a lifetime or a car for your children! ## Business Loans (1) Lending for businesses of all sizes. - [Commercial Loan](https://www.cdrcompare.au/brands/cairns-bank/products/L4_COMMERCIAL_LOAN) — Secured loan for commercial purposes, including the purchase of the commercial premises for business or investment purposes and overdraf facitlies ## Overdrafts (2) Linked credit facilities on transaction accounts. - [Business overdraft (secured)](https://www.cdrcompare.au/brands/cairns-bank/products/S8_Overdrafts) — An overdraft facility to assist with day to day cash flow, secured by real estate - [Cairns Bank personal overdraft](https://www.cdrcompare.au/brands/cairns-bank/products/S30) — An unsecured overdraft with card access available to home loan customers ## Data provenance - Data published by Cairns bank under the Consumer Data Right - ABN 68087933757 - CDR Register entry updated: 1 July 2026 - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000075 - Provider Product Reference Data endpoint: https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products --- Source: [CDR Compare](https://www.cdrcompare.au/brands/cairns-bank) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)