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Buying my first home

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Buying your first home is an exciting time but it can also be quite daunting. IMB has put together all the information you need to know about buying a home and the home loan process, including some helpful checklists to walk you through this memorable time in your life. We have the tools to help you choose the right home loan and some great calculators to find out how much you can borrow.

Let's take the first steps to owning your own home!

Home Loans that might be of interest:

Product Description Interest rates from

Accelerator Home Loan (loan amount less than 90% of the property value)+~◊


Everything you need to pay off your home loan faster. Ongoing discount off IMB’s Standard Variable rate, and a special rate for the first 2 years, plus a 100% offset account. 4.39%pa

Interest Rate


Comparison rate*

Budget Home Loan (loan amount less than 90% of the property value)+#◊


A low cost home loan option, the Budget Home Loan has a discount off IMB’s standard variable rate for the life of the loan, so you’ll always pay less. 4.46%pa

Interest Rate#


Comparison rate*

Essentials Home Loan (loan amount less than or equal to 80% of the property value)+◊#


A win-win option with flexible repayment options, a life-of-loan discount off IMB’s standard variable rate AND no monthly account keeping fees. 4.17%pa

Interest Rate#


Comparison rate*

+Lending criteria, terms and conditions, fees and charges apply. Full loan terms and conditions are available upon request from any IMB branch or by calling 133 462, 8:00am to 8:00pm Mon-Fri, or 9:00am to 4:00pm Saturday. ~Discount applies for 24 months from the date the loan is settled. The loan then converts to a variable rate with a 0.50% discount off IMB’s Standard Variable Rate. ◊For new funds only. Not available for refinance of existing IMB loans. ‡ 100% Offset facility is available on the IMB Everyday and Everyday Unlimited accounts. *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 different comparison rate. #The interest rate shown applies to the relevant loan product where your loan (inclusive of any applicable capitalised costs e.g. Lenders Mortgage Insurance and/or Mortgage Protection Insurance) is up to 90% of your property value. A higher rate applies when your loan is more than 90% of your property value.

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