Refinancing can be a great way to lower your repayments, pay off your home sooner or turn your equity into spendable cash.
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Understand the steps to refinancing your home loan.
Everyone's circumstances are different, however there are some circumstances that refinancing can be beneficial.
There are several reasons why refinancing your home loan may be the right option.
Applying is easy. Apply, upload documents and track progress anytime, anywhere on any device.
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.
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.
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.
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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