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  4.19 % pa Variable2 & Comparison rate3
For new owner occupied loans <90% of the property value


Save on your home loan without compromising on features
With an IMB Essentials Home Loan you’ll get a low rate, no monthly fee or annual fees plus the flexibility of a 100% offset account. Even better, right now you’ll pay no IMB establishment fees for new owner occupied loans if you borrow up to 90% of your property value. So it’s no surprise CANSTAR voted us better, with 5 stars for outstanding value. You’ll be better off with better value banking.

$0

IMB Establishment Fee

$0

Monthly Fees

100%

Offset Account4

$0 IMB Establishment Fee

$0 Monthly Fees

100% Offset Acount4

What are the key features?
key features  
Minimum home loan $75,000
Maximum home loan Up to 95% LVR for owner occupiers and up to 80% for investment purposes (a higher interest rate applies for owner occupied loans >80% of your property value or for investment purposes)
Home loan period Up to 30 years
Repayments Monthly / fortnightly / weekly (minimum repayment amounts apply)
Additional Repayments Yes
Free redraw facility Yes via Internet and Mobile Banking
Split loan Available
Interest charges Calculated daily, charged monthly
Fees and charges View fees and charges
Mortgage offset account Yes
Loan Repayment Insurance Yes
Eligibility For new funds only. Not available as a switch or re-finance from another IMB home loan.

 

What is my borrowing power?

Make a Home Loan Enquiry

Rates effective as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply. New applications only. Not available for refinance of existing IMB loans. Minimum loan size $75,000. 1. Fees include: Application Fee, Processing Fee and Title Insurance Fee. A total saving of $768.74. The Processing Fee and Title Insurance Fee (a total cost of $323.74) apply where your loan (inclusive of any applicable capitalised costs e.g. Mortgage Protection Insurance) is more than 80% of your property value. 2. The interest rate shown is for a new owner occupied Essentials Home Loan where your loan is up to 90% of your property value. A higher rate applies where your loan (inclusive of any capitalised costs e.g. Mortgage Protection Insurance) is more than 80% of your property value or is for an investment purpose. 3. Comparison Rate is based on $150,000 secured loan over 25 years. WARNING: This Comparison Rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different Comparison Rate. 4. 100% Offset facility is available on the IMB Everyday and IMB Everyday Unlimited Accounts. Consider the PDS available from IMB before making a decision about these products. Star rating awarded by CANSTAR, April 2015. IMB Ltd trading as IMB Bank. ABN 92 087 651 974. AFSL/Australian Credit Licence 237 391.