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Home Loan Interest Rates (owner occupied)

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Interest rates shown are for new owner occupied loans on principal and interest repayments. Interest Only rates are available here  

Variable Rates - Principal & Interest ≤90% LVR

Home Loan Interest Rate p.a. Comparison Rate p.a.1
Budget Home Loan (other terms & conditions apply2) 3.73% 3.73%
Budget Home Loan 3.97% 4.02%
Accelerator Home Loan3 3.84% 4.58%
Essentials Home Loan (other terms and conditions apply4) 3.97% 3.97%
Essentials Home Loan 4.19% 4.19%
Introductory Variable Home Loan5 4.19% 4.93%
Discount Split Home Loan6 3.84% 4.92%
Standard Variable Home Loan 5.19% 5.24%
Lo Doc Loan 5.39% 5.14%
Home Basic P&I (No longer available for new business) 4.52% 4.59%
Premium Home Loan Package (No longer available for new business) 4.29% 4.67%

Platinum Package Variable Rates7 - Principal & Interest ≤90% LVR

Home Loan Interest Rate p.a. Comparison Rate p.a.1
Platinum Package ($150,000 +) 4.69%

5.08%

Platinum Package ($250,000 +) 4.54% 4.94%
Platinum Package ($500,000 +) 4.44% 4.84%

Equity Line (Interest Only)

Home Loan Interest Rate p.a. Comparison Rate p.a.1
Equity Line Advantage 5.39% N/A
Platinum Package Equity Line 4.99% N/A

Variable Rates - Principal & Interest >90% LVR

Home Loan Interest Rate p.a. Comparison Rate p.a.1
Budget Home Loan 4.39% 4.44%
Essentials Home Loan 4.41% 4.43 %
Introductory Variable Home Loan 4.19% 4.93%
Discount Split Home Loan6 3.84% 4.92%
Standard Variable Home Loan 5.19% 5.24%
Home Basic P&I (No longer available for new business) 4.52% 4.59%
Premium Home Loan Package (No longer available for new business) 4.29% 4.67%

Platinum Package Variable Rates7 - Principal & Interest >90% LVR

Home Loan Interest Rate p.a. Comparison Rate p.a.1
Platinum Package ($150,000 +) 4.69% 5.08%
Platinum Package ($250,000 +) 4.69% 5.08%
Platinum Package ($500,000 +) 4.69% 5.08%
Platinum Package Equity Line 4.99% N/A

Fixed Rates - Principal & Interest ≤90% LVR

Term Interest Rate p.a. Comparison Rate p.a.1
1 Year 4.29% 4.93%
2 Year 3.75% 4.78%
3 Year 3.89% 4.72%
4 Year 4.39% 4.82%
5 Year 4.39% 4.78%

Platinum Package Fixed Rates - Principal & Interest ≤90% LVR

Term Interest Rate p.a. Comparison Rate p.a.1
1 Year 4.19% 5.01%
2 Year 3.65% 4.84%
3 Year 3.79% 4.77%
4 Year 4.29% 4.85%
5 Year 4.29% 4.81%

Fixed Rates - Principal & Interest >90% LVR

Term Interest Rate p.a. Comparison Rate p.a.1
1 Year 4.54% 4.96%
2 Year 4.09% 4.84%
3 Year 4.44% 4.87%
4 Year 4.74% 4.94%
5 Year 4.64% 4.89%

Platinum Package Fixed Rates - Principal & Interest >90% LVR

Term Interest Rate p.a. Comparison Rate p.a.1
1 Year 4.39% 5.03%
2 Year 3.99% 4.91%
3 Year 4.29% 4.90%
4 Year 4.59% 4.96%
5 Year 4.49% 4.89%

Click here for our standard variable reference rates

Rates effective 29 September 2017 and subject to change. These interest rates apply to new owner occupier home loans with principal and interest repayments. Different interest rates apply to interest only and investment home loans. Rates shown are for new funds only. Not all rates are available as a switch from another home loan option. Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 1. 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. 2. Offer available for a limited time from 15/05/2017 and may be withdrawn at any time. This offer is available for new owner occupier loans less than or equal to 90% of the property value (LVR), with principal and interest repayments (P&I) and an IMB Transaction Account must be opened with the loan. Minimum loan size $75,000. 3. 24 months after settlement, loan converts to a 0.50% discount off the standard variable rate. Minimum loan size $300,000. 4. The interest rate shown is for a new owner occupier loans <80% of the property value (LVR), with principal and interest (P&I) repayments and minimum loan size of $300,000. 5. This loan is discounted for the first twelve (12) months before it converts to a 0.25% discount off the standard variable rate. 6. This loan is a combination of a discounted Variable Rate 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 converts to a 0.25% discount off the standard variable rate. The fixed rate must be taken out for a fixed term of at least three (3) years, with a loan amount at least equal to the discounted variable rate loan portion of the loan. 7. Interest rates for variable rate home loans under the Platinum Package are based on 'total package borrowing' at the time the loan is taken out. 'Total package borrowing' is the total of the balances on your home loan accounts under the Platinum Package and credit limit of any Package Equity Line. Any additional repayments that you make will reduce your total package borrowing. Package Equity Line available when variable or fixed rate portion of package is a minimum of $75,000. Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. 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. 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..

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