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*IMB lending criteria, terms and conditions, fees and charges apply. Offer is for Eligible Purchase Applications or Eligible Refinance Applications made from 03/02/26 until Offer is withdrawn. Entitlement to cashback is conditional on the loan being active for at least 12 months. 50% of the cashback is repayable if the loan is discharged within 12 months of the settlement date. Purchase loans must settle within 180 days of application and refinanced loans must settle within 90 days of application. Borrowers are eligible for one Cashback Payment in a 12-month period. Cashback Payment for loans valued between $250,000 and $499,999 is $2,000, Cashback Payment for loans valued $500,000 and over is $3,000. One Cashback Payment will be paid per eligible application, into the primary borrower’s IMB Transaction Account within 60 days of settlement. Excludes: refinance of IMB loans, commercial, construction and bridging loans. For full terms and conditions see www.imb.com.au/cashback. This Offer may be varied or withdrawn at any time.

^Rates and terms negotiable for amounts of $100,000 and over held in a Negotiable Interest Term Account. 6 month term is treated as 183 days for the purposes of term length and interest calculations.

#$50 promotion is valid for new & existing IMB members aged 15-30 years who have not held an Everyday Unlimited Kick Start Account before and who open an account between 21/1/2026 and 28/2/2026. Account eligibility requirements apply. To be eligible for the $50 bonus, members must make a minimum of 6 purchase transactions on the account by the end of the promotional period (11:59pm on 31/03/2026). ‘Purchase transaction’ is defined as utilising a linked IMB Visa Debit Card to make a purchase of goods or services. Offer limited to one bonus per account and not available with any other offer. Bonus $50 will be paid into the member’s account within 30 days of the end of the promotion period. The Everyday Unlimited Kick Start Account is available to individuals aged 13-17 and students, trainees and apprentices aged 18-30, studying or training with an organisation recognised by IMB in its absolute discretion. IMB reserves the right to change or withdraw this offer at any time. IMB Visa Debit Card available to members aged 15 years and over.

This advice is general advice only and does not take into account your objectives, financial situation or needs. Consider the PDS available from IMB before making a decision about these products. Target Market Determinations available here.