Home Loan Key Fact Sheet

General
Information current as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply. Minimum total loan exposure $75,000. Eligibility criteria must be met to apply online. Split loan options not available in online applications.

You should consider the relevant Terms and Conditions or Product Disclosure Statement (PDS) before deciding whether to acquire any IMB products or facilities. Target Market Determinations available here.

Rates and fees
1. Minimum redraw $500.

2. Advance repayment costs may apply if you repay more than 12 months in advance on a fixed rate loan.

3. The balance in your 100% offset account reduces the balance used to calculate interest on your home loan. 100% offset is available using the IMB Everyday and IMB Everyday Unlimited Accounts.

4. Variable rate loans have a discount off the standard variable rate. The discount margin will be the discount available at the time a loan contract is issued and may be different to the current discount in the interest rates shown. They are for new applications only and they are not available for refinance of existing IMB loans. Also refer to the general information above.

5. Fixed interest rates are indicative and they may vary on settlement. Different interest rates apply to other fixed rate terms. All fixed rate loans convert to a variable interest rate with a discount off the standard variable rate at the end of the fixed rate term. Also refer to the general information above.

6. This comparison rate is based on a $150,000 secured home loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.