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Refinancing

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There’s no doubt about it, refinancing is a big decision and even though you’ve been through the process of getting a mortgage before, it can still seem daunting and complicated. That’s where IMB can help.

Whether you’re upgrading, down-sizing or simply looking for a better deal on your home loan an IMB Home Loan Specialist can help smooth the way.

Whatever your reason for refinancing your home loan, you want the process to be as easy as possible. An IMB Home Loan Specialist can help talk you through the many benefits for refinancing your home loan including:

  • Saving money on your current repayments
  • Paying off your loan sooner
  • Adding flexibility via additional features like flexible payment options and free redraw
  • Consolidating your debts for one easy monthly repayment

Home Loans that might be of interest

Product Description Interest rates from

Platinum Package $250,000+ (For loans up to 90% of the property value)◊^

IMB’s Platinum Package bundles some of our most popular products, complete with a range of discounts, to offer you a total banking solution. Save with a life of loan interest rate discount on your home loan, open a fee free transaction account and add a 100% offset account. The package has great discounts on extras like insurances and credit cards. 4.86%pa

Interest Rate

5.25%pa

Comparison rate*

Budget Home Loan (For loans up to 90% of the property value)◊#

Save on your home loan without compromising on features with the IMB Budget Home Loan. 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. 4.76%pa

Interest Rate#

4.93%pa

Comparison rate*

Equity Line Advantage Home Loan

The IMB Equity Line Advantage combines your home loan and everyday accounts in one so that your entire income works towards paying off your home loan. Your salary is paid directly into your IMB Equity Line Advantage reducing interest charged. You then simply draw out what you need to cover your living expenses. 5.86%pa

Interest Rate

5.86%pa

Comparison rate*

Essentials Home Loan (For loans up to 90% 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. 4.98%pa

Interest Rate#

4.98%pa

Comparison rate*

Normal IMB 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. ◊For new funds only.  Not available for refinance of existing IMB loans. ^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 your 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. #The interest rate shown applies to the relevant loan product where your loan is up to 90% of your property value.  A higher interest rate applies when your loan (inclusive of any applicable capitalised costs e.g. Lenders Mortgage Insurance and/or Mortgage Protection Insurance) is more than 90% of your property value.  *These comparison rates are based on a $150,000 secured home loan over 25 years. WARNING: These comparison rates are 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.

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