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Fixed Rate Home Loan

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The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments for the fixed term period of your loan. You can also pay up to 12 months repayments in advance without penalty. Choose from a fixed loan term of 1-5 years for owner occupier home loans or 1, 3 or 5 years for investment home loans.

  • Fixed loan repayments for peace of mind and easy budgeting
  • Up to 12 months repayments in advance without penalties
  • Free Internet and Mobile Banking redraws

Key features
Minimum loan amount $10,000
Maximum loan amount Up to 95% of the property value for owner occupiers and up to 80% of the property value for investment purposes
Home loan period Up to 30 years
Repayments Monthly / fortnightly / weekly
Additional Repayments Up to 12 months without penalty, fees apply after this
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 No
Loan Repayment Insurance Yes

  

Term

Interest Rate p.a. Comparison 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) 4.94% 4.81%
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) 4.94% 4.84%
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) 4.94% 4.86%
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) 5.09% 4.93%
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) 5.29% 5.05%

Click here to view the Interest Rates for Investment Home Loans.

IMB Rates current as at date of appearance and subject to change.  Fixed rates are indicative and may vary on settlement. All fixed loans convert to a discount off the Standard Variable Rate at the end of the fixed term. #Comparison Rate is based on a $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 different Comparison Rates. Normal IMB lending criteria, terms and conditions, fees and charges apply. IMB Ltd trading as IMB Bank. ABN 92 087 651 974 AFSL/Australian Credit Licence 237 391.
 

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