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Budget Home Loan

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Save on your home loan without compromising on features with the IMB Budget Home Loan for owner occupiers. 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.

  • Life-of-loan discount off IMB’s standard variable interest rate
  • Unrestricted additional repayments
  • Free Internet and Mobile Banking redraws


Interest Rates Interest Rate p.a Comparison Rate p.a*
Under 90% LVR (owner occupied) 4.46% 4.63%
Over 90% LVR (owner occupied) 4.58% 4.75%
Key features
Minimum loan amount $75,000
Maximum loan amount Up to 95% of the property value
Home loan period Up to 30 years
Repayments Monthly / fortnightly / weekly
Additional Repayments Yes
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
Eligibility For new funds only. Not available as a switch or re-finance from another IMB home loan.

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. This comparison rate is based on a $150,000 secured home loan over 25 years. *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. New applications only. Not available for refinance of existing IMB loans. Minimum loan size $75,000.

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