Home Loan Interest Rates

Variable Home Loan Rates

	Interest Rate p.a.	Comparison Rate p.a. #
Budget Home Loan (loan amount less than 80% of the property value)+	6.27%	6.40%	Apply now	Learn more
Budget Home Loan (loan amount greater than 80% of the property value)+	6.37%	6.50%	Apply now	Learn more
Budget Blue Home Loan (loan amount less than 80% of the property value)+	6.42%	6.48%	Apply now	Learn more
Budget Blue Home Loan (loan amount greater than 80% of the property value)+	6.57%	6.63%	Apply now	Learn more
Discount Variable Home Loan*+	6.00%	6.96%	Apply now	Learn more
Discount Split Home Loan*+~	5.65%	6.87%	Apply now	Learn more
Standard Variable Home Loan	7.00%	7.06%	Apply now	Learn more
Professionals Mortgage@+ ($200,000 - $299,999)	6.70%	6.72%	Apply now	Learn more
Professionals Mortgage@+ ($300,000 +)	6.45%	6.79%	Apply now	Learn more
Professionals Mortgage PLUS@+ ($200,000 - $299,999)	6.45%	6.79%	Apply now	Learn more
Professionals Mortgage PLUS@+ ($300,000 +)	6.35%	6.69%	Apply now	Learn more
Professionals Mortgage PLUS@+ ($500,000+ and loan amount less than 80% of the property value)	6.30%	6.64%
Professionals Mortgage Equity@+ ($200,000 +)	6.80%	N/A	Apply now	Learn more
Equity Line Advantage+	7.20%	N/A	Apply now	Learn more
Lo Doc Loan+	7.20%	6.93%	Apply now	Learn more

Fixed Rate Home Loan

Term	Interest Rate p.a.	Comparison Rate p.a. #
1 Year	6.19%	6.98%	Apply now	Learn more
2 Years (loan amount less than 80% of the property value)	5.95%	6.85%	Apply now	Learn more
2 Years (loan amount greater than 80% of the property value)	6.09%	6.88%	Apply now	Learn more
3 Years	6.19%	6.84%	Apply now	Learn more
4 Years	6.49%	7.04%	Apply now	Learn more
5 Years	6.79%	7.12%	Apply now	Learn more

_{Rates effective 30 January 2012.
*Offer is available for the first twelve (12) months of the loan, then converting to the Standard Variable Rate.
~This loan is a combination of a Discount Split Home Loan and a Fixed Rate Home Loan. The variable rate portion of the loan is discounted for the first twelve (12) months before it reverts to IMB's Standard Variable Rate. The fixed rate must be taken out for a fixed term of at least three (3) years, with a loan amount equal to the discounted variable rate loan portion.
+For new funds ONLY. Not available as a switch from another home loan option.
@ IMB's Professionals Mortgage or Professionals Mortgage Plus allows you to split your loan with a Professionals Mortgage Equity, provided the loan portion is a minimum $75,000.
# 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 applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as Redraw or Early Repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.} 

_{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.
Details of the relevant terms and conditions and other information are available at your nearest IMB branch. Fees and charges apply.
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.}