Borrowing Power Calculator

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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.}

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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.

2.09% pa Variable Interest Rate

2.10% pa Comparison Rate^#

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

Apply 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.

3.49% pa2 Year Fixed Rate

2.90% pa Comparison Rate^#

For new owner occupier loans with P&I repayments <=80% of the property value

Apply 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.

2.29% pa Variable Interest Rate

2.44% pa Comparison Rate^#

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

Apply 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.

2.39% paVariable Interest Rate

2.45% pa Comparison Rate^#

For new investment loans with P&I repayments <80% of the property value

Apply

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.

2.59% pa Variable Interest Rate

2.78% pa Comparison Rate^#

For new investment loans with P&I repayments <80% of the property value

Apply

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

3.99% pa3 Year Fixed Rate

3.52% pa Comparison Rate^#

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

Apply

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 total loan exposure $75,000.

Why choose us?

Established in 1880, we have been helping people achieve their financial goals for 140 years and are rated by Forbes as one of the World’s Best Banks. We offer a full range of competitive banking, including home and personal lending, savings and transaction accounts, term deposits, business banking, and can arrange financial planning, insurance and travel products.

We provide simple and secure digital banking solutions online and on mobile, and members enjoy access to free automated phone and internet banking, and a team of professionals at our locally based contact centre. With a growing branch network throughout the Illawarra, Sydney, NSW South Coast, Newcastle/Hunter, the ACT and Melbourne, we have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

Find out more