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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 ≥ $1mil. $3,000 for loans $700k<$1mil. $2,000 for loans $350k<$700K.
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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 repayments for 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, 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
Review our home loan help articles or speak with one of our home loan specialists to better understand home loans.
We offer a fixed rate, basic variable rate and variable with offset account. You can also use a home loan calculator to see how much you could borrow and what your repayments will be.
Our digital home loan journey let's you get started on your own, or one of our home loan specialists can help you out.
Resume your application and continue where you left off.
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When choosing a home loan, there are various factors to consider. Two common features that borrowers often compare between loans are interest rates and, when available, cashback offers.
Navigating the ins and outs of home loans can be complex. Especially when understanding the various deals and offers available.
Explore the benefits of refinancing your home loan.
The Home Guarantee Scheme (HGS) can help get eligible first home buyers and single parents into homes sooner without paying Lenders Mortgage Insurance. Find out more.
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 ≥ $1mil. $3,000 for loans $700k<$1mil. $2,000 for loans $350k<$700K.
The Privacy Act requires us to tell you about how we collect and use your personal information. We explain this in our Privacy Notice, available here on our website or on request. By submitting this form you acknowledge that you have read this Privacy Notice and you agree to our use of your personal information in accordance with that Notice. You can choose not to identify yourself when dealing with us or to not provide all of the information requested on this form, but this may prevent us from being able to deal with your enquiry or tailor an adequate response. If you do not wish to provide your details in the required fields please direct your enquiry to us by calling 133 462.
*IMB lending criteria, terms and conditions, fees and charges apply. Offer is for Eligible Purchase Applications or Eligible Refinance Applications made from 14/8/24 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 $350,000 and $699,999 is $2,000, Cashback Payment for loans valued between $700,000 and $999,999 is $3,000, and Cashback Payment for loans valued $1,000,000 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.
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 14/8/24 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 $350,000 and $699,999 is $2,000, Cashback Payment for loans valued between $700,000 and $999,999 is $3,000, and Cashback Payment for loans valued $1,000,000 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.
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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