---
title: "CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI — Cairns bank"
description: "Home Loans from Cairns bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_PI_80_90
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-12T09:27:18.000+10:00
---

# CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI — Cairns bank

> Home Loans from Cairns bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Cairns Bank**

CLASSIC INVESTMENT HL VARIABLE 80-90 LVR PI

## At a glance

- **From (investment):** 6.59% (6.3% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The comparison rate is calculated on the basis of a secured loan of $150,000 over a term of 25 years.) | 6.59% | 6.3% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ACCOUNT_KEEPING_FEE | Ongoing | $12.00 |
| ADDITIONAL_REDRAW_FEE — Payable in respect of each redraw in a month after the first free redraw | Event | $20.00 |
| ARREARS_FEE — For loans in arrears two month or more | Ongoing | $25.00 |
| BANK_CHEQUE_FEE — Payable for each cheque from a Bank (other than Cairns Bank) you request | Event | $12.00 |
| CORPORATE_CHEQUE | Event | $10.00 |
| DISCHARGE_PREPARATION_FEE — When the balance is repaid in full and a Form 3 is prepared | Event | $60.00 |
| DISCHARGE_SETTLEMENT_FEE — When required to attend at settlement | Event | $100.00 |
| ESTABLISHMENT_FEE-LOAN_ESTABLISHMENT_FEE | Upfront | $200.00 |
| LOAN_SWITCHING_FEE — 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) | Event | $200.00 |
| SUBSEQUENT_DEALING_FEE — When you apply for consent to a subsequent dealing with the mortgaged property | Event | $200.00 |
| VARIATION_OF_LOAN_CONTRACT_FEE — Payable when you apply to vary a loan contract | Event | $200.00 |

## Features

- **Redraw facility** (Minimum redraw is $1,000)
- **Extra repayments** (Maximum advance amount in redraw is capped at $50,000)

## Eligibility

- **Individuals only**
- **Minimum age** — 18 years
- **Residency status** — AUSTRALIAN CITIZEN

## Constraints

- **Minimum limit** — $50,000.00 (Eligible minimum loan amount is $50,000)
- **Maximum limit** — $2,000,000.00 (Eligible maximum loan amount is $2,000,000)
- **Maximum balance** — $50,000.00 (Maximum advance amount in redraw is capped at $50,000)

## More information from Cairns bank

- [Overview](https://cairnsbank.com.au/classic-vs-plus/)
- [Terms & conditions](https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/)
- [Eligibility](https://cairnsbank.com.au/loans/home-loans/how-to-apply/)
- [Fees & pricing](https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/)

## Data provenance

- Published by Cairns bank under the Consumer Data Right
- Product ID: `L22_CLASSIC_PI_80_90`
- Last updated by the provider: 11 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/cairns-bank/L22_CLASSIC_PI_80_90
- Provider page: https://www.cdrcompare.au/brands/cairns-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000075

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/cairns-bank/products/L22_CLASSIC_PI_80_90) — 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.

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