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Home Loan Interest Rates (owner occupied)

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Variable Home Loan Rates

  Interest Rate p.a. Comparison Interest Rate p.a.#
Accelerator Home Loan $300,000 + (owner occupier loan amount less than 80% of the property value) 3.64% 4.39%
Budget Home Loan (owner occupier loan amount less than or equal to 90% of the property value)>> + 3.87% 3.92%
Budget Home Loan (owner occupier loan amount greater than or equal to 90% of the property value)+  4.29%  4.34%
Essentials Home Loan (owner occupier loan amount less than or equal to 80% of the property value)>>+  4.09%  4.09%
Essentials Home Loan (owner occupier loan amount greater than 80% of the property value)+  4.31%  4.33%
Introductory Variable Home Loan (owner occupier)*+  3.99%  4.95%
Discount Split Home Loan (owner occupier)^  3.64%  4.82%
Standard Variable Home Loan (owner occupier)  4.99%  5.04%
Equity Line Advantage (owner occupier)+  5.19%  N/A
Lo Doc Loan (owner occupier)+  5.19%  4.94%

Fixed Rate Home Loan

Term Interest Rate p.a. Comparison Interest Rate p.a.#
1 Year (owner occupier loan amount less than 90% of the property value) 4.29% 4.75%
1 Year (owner occupier loan amount greater than 90% of the property value) 4.54% 4.78%
2 Years (owner occupier loan amount less than 90% of the property value) 3.85% 4.64%
2 Years (owner occupier loan amount greater than 90% of the property value) 4.09% 4.68%
3 Years (owner occupier loan amount less than 90% of the property value) 3.85% 4.57%
3 Years (owner occupier loan amount greater than 90% of the property value) 4.44% 4.72%
4 Years (owner occupier loan amount less than 90% of the property value) 4.39% 4.69%
4 Years (owner occupier loan amount greater than 90% of the property value) 4.74% 4.81%
5 Years (owner occupier loan amount less than 90% of the property value) 4.39% 4.67%
5 Years (owner occupier loan amount greater than 90% of the property value) 4.74% 4.81%

Platinum Package Variable Home Loans

  Interest Rate p.a. Comparison Interest Rate p.a.#
$150,000 + (owner occupier loan amount less than or equal to 80% of the property value)+ 4.49% 4.89%
$150,000 + (owner occupier loan amount greater than 80% of the property value)+ 4.49% 4.89%
$250,000 + (owner occupier loan amount less than or equal to 80% of the property value)+ 4.34% 4.74%
$250,000 + (owner occupier loan amount greater than 80% of the property value)+ 4.49% 4.89%
$500,000 + (owner occupier loan amount less than or equal to 80% of the property value)+ 4.24% 4.64%
$500,000 + (owner occupier loan amount greater than 80% of the property value)+ 4.49% 4.89%
Package Equity Line (owner occupier)@+ 4.79% N/A

Platinum Package Fixed Rate Home Loans

  Interest Rate p.a. Comparison Interest Rate p.a.#
1 Year (owner occupier loan amount less than 90% of the property value)+ 4.19% 4.83%
1 Year (owner occupier loan amount greater than 90% of the property value)+ 4.39% 4.85%
2 Years (owner occupier loan amount less than 90% of the property value)+ 3.75% 4.70%
2 Years (owner occupier loan amount greater than 90% of the property value)+ 3.99% 4.75%
3 Years (owner occupier loan amount less than 90% of the property value)+ 3.75% 4.62%
3 Years (owner occupier loan amount greater than 90% of the property value)+ 4.29% 4.76%
4 Years (owner occupier loan amount less than 90% of the property value)+ 4.29% 4.73%
4 Years (owner occupier loan amount greater than 90% of the property value)+ 4.59% 4.83%
5 Years (owner occupier loan amount less than 90% of the property value)+ 4.39% 4.69%
5 Years (owner occupier loan amount greater than 90% of the property value)+ 4.59% 4.83%

Rates Effective 9 December 2016
These interest rates apply to owner occupied home loans. Different interest rates apply to investment home loans.

>>This rate will not be further reduced in line with the announced IMB Standard Variable decrease of 0.25% effective on 25th May 2016.
*Offer is available for the first twelve (12) months of the loan, then converting to another discounted variable rate.

^This loan is a combination of a Discount Split Home Loan and a Fixed Rate Home Loan. The variable rate portion of the loan is discounted for the first twelve (12) months before it reverts to a Reward rate with a 0.25% discount off the standard variable rate. The fixed rate must be taken out for a fixed term of at least three (3) years, with a loan amount equal to the discounted variable rate loan portion.
~Interest rates for variable rate home loans under the Platinum Package are based on 'total package borrowing' at the time the loan is taken out. 'Total package borrowing' is the total of the balances on your home loan accounts under the Platinum Package and credit limit of any Package Equity Line. Any additional repayments that you make will reduce your total package borrowing.

+For new funds ONLY. Not available as a switch from another home loan option.
@ IMB's Platinum Package allows you to split your loan with a Package Equity Line, provided the variable or fixed rate loan portion is a minimum $75,000.
# The comparison rate is based on a $150,000 secured loan for a term of twenty five (25) years for all home loans.
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 adifferent comparison rate.

Interest rates are indicative only and are subject to change.
Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365.
Normal IMB Lending criteria terms and conditions, fees and charges apply. Details of the relevant terms and conditions and other information are available at your nearest IMB branch. Note: All mortgage and personal credit line products listed above are only available in New South Wales, Queensland, Victoria, Australian Capital Territory, Western Australia and South Australia; Australia.

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