Home Loan Comparison Table

	Budget (up to 80% of the property value)	Budget Blue (up to 80% of the propertyvalue)	Discount Split	Discount Variable	Standard Variable	Professional Mortgage	Professionals Mortgage PLUS	Fixed Rate	Equity Line Advantage	Lo Doc
Interest Rates	View the latest interest rates
Discount off Standard Variable Rate	0.80%	0.60%	1.35%	1.00%	N/A	0.30%	0.70%	N/A	N/A	N/A
Key Fees1
Application fee	$445	$445	$445	$445	$445	Nil	Nil	$445	$445	$445
Monthly service fee	$10	Nil	$6	$10	Nil	Nil	$30	$6	Nil	$10
Summary of key features
Interest Only2
Redraw facility3
Extra payments4
100% offset
LVR5	95%	95%	95%	95%	95%	95%	95%	95%	90%	80%
Available as switch from another IMB loan6

<sup>Things you should know
Normal IMB lending criteria, terms and conditions, fees and charges apply.
1. Application fee includes one valuation. Valuation costs over & above single/primary security are to be covered by the borrower. Other fees and charges apply.
2. The Interest Only period is available for up to 5 years, cumulative over the term of the loan. The 5 years Interest Only period can be broken down into separate Interest Only periods at any time during the loan term.
3. Minimum redraw is $500. Redraw free via IMB Internet otherwise a $50 fee per redraw via IMB Branch or IMB DIRECT applies.
4. Up to 12 months in advance without penalties on fixed loan. Unrestricted on variable component.
5. Maximum allowed varies depending on state, occupancy, loan amount and security type. Maximum Loan to Value Ratio is exclusive of any CCI and LMI Insurance components added to the loan.
6. Converting from another IMB home loan to this product is available. Details on application. Fees apply.</sup>