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Investment Home Loan Interest Rates

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Interest rates shown are for investment loans on principal and interest repayments. Different interest rates will apply for loans with interest only repayments from 29 September 2017. Read more

New loans only available to existing members for purchases of an investment property with a loan to value ratio of up to 70%*

Variable Home Loan Rates

  Interest Rate p.a. Comparison Rate p.a. #    
Standard Variable Home Loan (investment loan amount less than or equal to 70% of the property value)* 5.76% 5.81%

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Essentials Home Loan (investment loan amount less than or equal to 70% of the property value)+* 4.68% 4.73%

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Equity Line Advantage (investment loan amount less than or equal to 80% of the property value)* 5.39% N/A

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Investment Loan P&I (No longer available for new business) 4.19% 4.26%    

Fixed Rate Home Loan Rates

  Interest Rate p.a. Comparison Rate p.a. #    
1 Year Fixed Rate (investment loan amount less than or equal to 70% of the property value)* 4.39% 5.46%

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3 Year Fixed Rate (investment loan amount less than or equal to 70% of the property value)* 4.49% 5.30%

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5 Year Fixed Rate (investment loan amount less than or equal to 70% of the property value)* 4.79% 5.28%

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Platinum Package Variable Home Loan Rates

  Interest Rate p.a. Comparison Rate p.a. #    
$150,000 + (investment loan amount less than or equal to 70% of the property value)+* 4.91% 5.30%

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$500,000 + (investment loan amount less than or equal to 70% of the property value)+* 4.79% 5.18%    
Package Equity Line (investment loan amount less than or equal to 80% of the property value)@+* 4.99% N/A

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Platinum Package Fixed Home Loan Rates

  Interest Rate p.a. Comparison Rate p.a. #    
1 Year Fixed Rate (investment loan amount less than or equal to 70% of the property value)* 4.29% 5.21%

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3 Year Fixed Rate (investment loan amount less than or equal to 70% of the property value)* 4.39% 5.09%

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5 Year Fixed Rate (investment loan amount less than or equal to 70% of the property value)* 4.69% 5.09%

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Rates Effective 10 August 2017

These interest rates apply to investment home loans. Different interest rates apply to owner occupier home loans.

+For new funds ONLY. Not available as a switch from another home loan option.
* Maximum loan to value ratio is inclusive of any insurance components added to the loan. Not available for re-finance of existing loans held with other financial institutions.
#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 a different comparison rate.

@ 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.

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.