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Essentials Home Loan

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The IMB Essentials Home Loan is 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.

  • Life of loan discount off IMB’s standard variable interest rate.
  • No monthly fees
  • Unrestricted additional repayments
  • 100% offset account
  • Free Internet and Mobile Banking redraws
CANSTAR Outstanding Value, Investor Variable Home Loan, 2017

Interest Rates Interest Rate p.a Comparison Rate p.a*
Under 90% LVR (owner occupier only) 4.19% 4.19%
Over 90% LVR (owner occupier only) 4.41% 4.43%

Click here to view the Interest Rates for Investment Home Loans.


Key features
Minimum home loan $75,000
Maximum home loan Up to 95% LVR for owner occupiers (a higher interest rate applies for loans >80% of your property value) and up to 90% LVR for investment purposes
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 Yes
Loan Repayment Insurance Yes
Eligibility For new funds only. Not available as a switch or re-finance from another IMB home loan.

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

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. A comparison rate schedule is available from IMB branches or at


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