Borrowing Power Calculator

Attention: open in a new window.

The Borrowing Power Calculator enables you to calculate how much you can expect to borrow based on your current salary and existing financial commitments.

_{Calculator Disclaimer

Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. IMB may not provide loans with the details indicated in the calculator. The specific details of your loan will be provided to you in your loan contract. It is advised that you consult your financial adviser before taking out a loan.

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.

IMB loan repayments are based on a monthly minimum repayment amount. More frequent payments can be made subject to coverage of the monthly minimum amount. Speak to IMB about your options.}

24 backup

Budget Home Loan

Save on your home loan with IMB’s low rate Budget Home Loan.

You'll get a discount off the standard variable rate for the life of the loan, no monthly fees, unrestricted additional repayments and free Internet and Mobile Banking redraw.

2.68% pa Variable Interest Rate

2.74% pa Comparison Rate^#

For new owner occupier loans with P&I repayments and <80% LVR

Enquire now Find out more

Accelerator Home Loan

The IMB Accelerator Home Loan provides you everything you need to pay off your home loan faster.

Special discounted rate for the first two years, no monthly account keeping fees, 100% offset and unrestricted additional repayments.

3.36% pa Variable Interest Rate

3.30% pa Comparison Rate^#

For new owner occupier loans with P&I repayments <90% LVR

Enquire now Find out more

Essentials Home Loan

The IMB Essentials Home Loan allows you to save on your home loan without compromising on features.

$0 IMB Establishment Fee, 100% Offset account and Life of Loan Discounted Rate.

2.98% pa Variable Interest Rate

3.12% pa Comparison Rate^#

For new owner occupier loans with P&I repayments <90% LVR

Enquire now Find out more

Fixed Rate Home Loan

The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments.

Fixed rate terms of 1-5 Years and up to 12 months repayments in advance without penalties

2.39% pa2 Year Fixed Rate

3.14% pa Comparison Rate^#

For new owner occupier loans with P&I repayments

Enquire now Find out more

Family Guarantee Loan

IMB’s Family Guarantee Loan is a way for your family to help you get into your dream home sooner.

A family guarantee allows your family to help you purchase a property without actually providing you with a cash gift or cash loan.

Enquire now Find out more

Budget Home Loan

Save on your home loan with IMB’s low rate Budget Home Loan.

You'll get a discount off the standard variable rate for the life of the loan, no monthly fees, unrestricted additional repayments and free Internet and Mobile Banking redraw.

3.08% paVariable Interest Rate

3.14% pa Comparison Rate^#

For new investment loans with P&I repayments <90% of the property value

Enquire now

Essentials Home Loan

The IMB Essentials Home Loan allows you to save on your home loan without compromising on features.

100% offset, flexible repayment options and life of loan discounted rate.

3.18% pa Variable Interest Rate

3.37% pa Comparison Rate^#

For new investment loans with P&I repayments <90% of the property value

Enquire now

Fixed Rate Home Loan

The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments.

Fixed rate terms of 1, 3 or 5 Years and up to 12 months repayments in advance without penalties

2.74% pa3 Year Fixed Rate

3.59% pa Comparison Rate^#

For new investment loans with principal and interest repayments and <90% of the property value

Enquire now

Rates current as at date of appearance and subject to change. 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.

Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 140 years. IMB offers a full range of banking solutions including home and personal lending, savings and transaction accounts, term deposits, business banking and can arrange financial planning, insurance and travel products.

IMB has a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you. IMB members enjoy access to free automated phone and internet banking and a team of professionals who are just a phone call away at our locally based call centre.

Find out more