Interest rates shown are for new owner occupied loans on principal and interest repayments. Find Interest Only rates here.
Essentials Home Loan | Interest Rate1 | Comparison Rate2 |
|---|---|---|
LVR ≤80% | 6.14 % p.a. | 6.25 % p.a. |
LVR >80% & ≤90% | 6.39 % p.a. | 6.50 % p.a. |
LVR >90% & <95% | 6.94 % p.a. | 7.05 % p.a. |
Home Loan Documents | |
IMB Home Loan Terms and Conditions | |
IMB Loan, Fees and Charges |
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.
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.
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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 Offer is for Eligible Purchase Applications or Eligible Refinance Applications made from 18/10/24 until Offer is withdrawn.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. 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 This Offer may be varied or withdrawn at any time.
Security is a fundamental right for our customers, and we hold it as one of our core values.
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.
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Purpose, repayment type and LVR
Interest rates 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.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.
2.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.
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.Minimum redraw $500.
5.Maximum allowed varies depending on state, occupancy, loan amount and security type.
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