Loans
"ONE-ON-ONE CONTACT - 24 HOUR RESPONSE
We specialise in mortgage lending. We can lend for your house, an investment property, commercial property and other purposes.
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How much can you borrow based on your salary and existing financial commitments
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Home Loans
First Home Buyers
We can help you access the First Home Owners Grant. Successful FHOG applications lodged through Cairns Penny Savings & Loans will be available at settlement or for a building contract, on first progress draw. more info on First home owners grant
Investment Borrowers
Flexible repayment options – Interest only, Interest in Advance, Principal and Interest.
Variable or Fixed– Home or Investment Loans
Our home loans are “Easy to understand” and feature:
Standard Variable rate:- Mortgage Offset account (reduces the interest payable on your loan) Redraw facility – access to additional or lump sum payments made to the loan Flexible payments Direct Salary payments Additional payments (regular or lump sums) Variable rate provides more flexibility, benefits of rates decreases Option to switch to fixed rate at anytime (fee applies) Loan Top-ups available | Fixed Rate Home Loan:- Mortgage Offset account (reduces the interest payable on your loan) Redraw facility - access to additional or lump sum payments made to the loan Flexible payments Direct Salary payments Additional payments (regular or lump sums) – limits exist Fixed rates provide the certainty of knowing what your payments are going to be for a fixed period Option to renew fixed rate (fee applies) |
Cairns Penny Savings & Loans also lends for other purposes where Real estate security can be offered.
Commercial Loans and Secured Overdrafts
We lend for Commercial property purchases, refinances and offer Secured Business Overdraft facilities at competitive rates .
(Security against either residential or commercial property)
Contact us on 07 40314460 to arrange an appointment. Phone and email enquiries welcome .
Application checklist - How much can I borrow
Deal with the people who make the decisions - they are all based here in Cairns.
For more information contact Ewan or Ann on 07 40314460
Business Hours: Monday - Friday 9am - 4pm
