for new purchase or refinance home loans with IMB.*
Min lending applies. LVR up to 80%.
Refinanced loans settled within 90 days, purchase loans settled within 180 days. $4,000 for loans ≥ $750K. $3,000 for loans $500k<$749,999. $2,000 for loans $250k<$499,999.
Refinanced loans settled within 90 days, purchase loans settled within 180 days. $4,000 for loans ≥ $750K. $3,000 for loans $500k<$749,999. $2,000 for loans $250k<$499,999.
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Min lending applies. LVR up to 80%.
Refinanced loans settled within 90 days, purchase loans settled within 180 days. $4,000 for loans ≥ $750K. $3,000 for loans $500k<$749,999. $2,000 for loans $250k<$499,999.
Min lending applies. LVR up to 80%.
Refinanced loans settled within 90 days, purchase loans settled within 180 days.
$4,000 for loans ≥ $1mil. $3,000 for loans $700k<$1mil.
$2,000 for loans $350k<$700K.
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At IMB Bank, homeownership is more than just its own reward. With our cashback offer, you can receive up to $4,000 when you refinance your home loan or purchase a home with us. Discover how easy and beneficial it is to take advantage of this offer.
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Growing your property portfolio? Get up to $4,000 cashback to boost your investment power. IMB offers competitive rates and flexible options to help you make the most of your investment.
Make your first home a sweeter reality with up to $4,000 cashback. New furniture, covering moving costs or paying down your loan are just some cashback thought starters.
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Switching to IMB just got more rewarding. Potentially save on your repayments with our competitive rates and get a cash injection of up to $4,000 cashback when you refinance your home loan.
Find out all the numbers and details about the types of loans eligible for a cashback when you speak with one of our IMB Lending Specialists.
Receive up to $4,000 cashback to cover things like moving costs, home improvements, booking flights or family expenses.
Enjoy potential savings in the short term – an IMB cashback – and long term: IMB’s home loan interest rates are very competitive and available with flexible loan options.
Switching to IMB is simple. Our streamlined application process ensures minimal hassle – with an IMB Lending Specialist on hand to help you get there faster.
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Our easy-to-use eligibility checker can quickly determine if you qualify for our cashback offer, up to $4,000.*
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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 18/10/24 until Offer is withdrawn. 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 between $500,000 and $749,999 is $3,000, and Cashback Payment for loans valued $750,000 and over is $4,000. The results from this calculator should be used as an indication only. Results do not represent a pre-qualification for a loan. The purchase home loan cashback calculator results may differ from the refinanced loan result based on LVR calculations and loan amounts. 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 Home Loan Cashback offer March 2024. This Offer may be varied or withdrawn at any time.
Free redraws using Internet and Mobile Banking1
Unrestricted additional repayments
No monthly fees
Free redraws using Internet and Mobile Banking1
Pay up to 12 months repayments in advance without penalty2
Fixed Rate terms of 1 - 5 Years
Free redraws using Internet and Mobile Banking1
Unrestricted additional repayments
Link to a 100% Offset Account to reduce the interest payable3
Free redraws using Internet and Mobile Banking1
Pay up to 12 months repayments in advance without penalty2
Fixed rate terms of 1, 2, 3 or 5 Years
Free redraws using Internet and Mobile Banking1
Unrestricted additional repayments
Link to a 100% Offset Account to reduce the interest payable3
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.
Cashback Offer
*IMB lending criteria, terms and conditions, fees and charges apply. Offer is for Eligible Purchase Applications or Eligible Refinance Applications made from 18/10/24 until Offer is withdrawn. 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 between $500,000 and $749,999 is $3,000, and Cashback Payment for loans valued $750,000 and over is $4,000. The results from this calculator should be used as an indication only. Results do not represent a pre-qualification for a loan. The purchase home loan cashback calculator results may differ from the refinanced loan result based on LVR calculations and loan amounts. 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.
Purpose, repayment type and LVR
Interest rates for each type of home loan are based on criteria that includes purpose (owner occupier or investment), repayment type (principal and interest (P&I) or interest only) and loan to value ratio (LVR). Different interest rates and establishment fees may apply if the purpose, repayment type or LVR is different to the purpose, repayment type or LVR for the interest rate shown.
Rates and features
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.
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