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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 Offer is for Eligible Purchase Applications or Eligible Refinance Applications made from 15/05/26 until Offer is withdrawn.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 120 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 between $500,000 and $749,999 is $3,000, Cashback Payment for loans valued $750,000 and over is $4,000. 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 This Offer may be varied or withdrawn at any time.

^$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 open an Everyday Unlimited Kick Start Account between 28/5/2026 and 31/8/2026. Account eligibility requirements apply. To be eligible for the $50 reward, members must make a minimum of $250 worth of purchase transactions on the new account by the end of the promotional period (11:59pm on 30/09/2026). ‘Purchase transaction’ is defined as utilising a linked Visa Debit Card to make a purchase of goods or services, in person or online. Offer limited to one reward per account and not available with any other offer. $50 reward will be paid into the member’s IMB account within 30 days of 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.

#Rates and terms negotiable for amounts of $100,000 and over held in a Negotiable Interest Term Account. 12 month term is treated as 365 days for the purposes of term length and interest calculations.

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.