Interest rates shown are for new investment loans on principal and interest repayments. Interest Only rates are available here.
Our variable rates have a discount margin off our standard variable rate for the life of the loan. The discount will be the discount available at the time a loan contract is issued and may be different to the current discount in the interest rates shown.
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Variable Rates ≤80% LVR
Home Loan
Interest Rate
with current discount margin
Comparision Rate1
Budget Home Loan
6.29% pa
6.35% pa
Essentials Home Loan
6.39% pa
6.56% pa
Variable Rates ≤90% LVR
Home Loan
Interest Rate
with current discount margin
Comparision Rate1
Budget Home Loan
6.44% pa
6.50% pa
Standard Variable Home Loan
9.53% pa
9.60% pa
Essentials Home Loan
6.68% pa
6.85% pa
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Fixed Rate Home Loans - Principal & Interest ≤90% LVR
Term
Interest Rate
Comparision Rate1
1 Year
6.39% pa
6.92% pa
3 Year
6.09% pa
6.75% pa
Apply
5 Year
6.24% pa
6.70% pa
Apply
Rates Effective 1 December 2023. These interest rates apply to new investment home loans with principal and interest repayments. Different interest rates apply to interest only and owner occupier home loans. Not all rates are available as a switch from another home loan option. Maximum loan to value ratio (LVR) is exclusive of any insurance components added to the loan. 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. 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.
Interest rates shown are for new owner occupied loans on principal and interest repayments. Interest Only rates are available here.
Our variable rates have a discount margin off our standard variable rate for the life of the loan. The discount will be the discount available at the time a loan contract is issued and may be different to the current discount in the interest rates shown.
iconApply NowiconTalk to a LendericonVisit a BranchiconCall 133 462
Variable Rate Home Loans - Principal & Interest ≤80% LVR
Home Loan
Interest Rate
with current discount margin
Comparison Rate1
Application
Fee2
Monthly
Fee2
Offset
Account3
Budget Home Loan
6.09% pa
6.12% pa
$445
Nil
Essentials Home Loan
6.14% pa
6.25% pa
$445
Nil
Variable Rate Home Loans - Principal & Interest >80% ≤90% LVR
Home Loan
Interest Rate
with current discount margin
Comparison Rate1
Application
Fee2
Monthly
Fee2
Offset
Account3
Budget Home Loan
6.39% pa
6.45% pa
Nil
Nil
Essentials Home Loan
6.49% pa
6.60% pa
$445
Nil
Variable Rate Home Loans - Principal & Interest ≤95% LVR
Home Loan
Interest Rate
with current discount margin
Comparison Rate1
Application
Fee2
Monthly
Fee2
Offset
Account3
Budget Home Loan
6.83% pa
6.89% pa
Nil
Nil
Essentials Home Loan
6.94% pa
7.05% pa
Nil
Nil
Standard Variable Home Loan
8.96% pa
9.03% pa
$445
Nil
Fixed Rate Home Loans - Principal & Interest ≤80% LVR
Term
Interest Rate
Comparison Rate1
Application
Fee2
Monthly
Fee2
Offset
Account3
1 Year
6.29% pa
6.40% pa
$445
$6
2 Year
5.99% pa
6.34% pa
$445
$6
3 Year
5.99% pa
6.32% pa
$445
$6
4 Year
6.09% pa
6.33% pa
$445
$6
5 Year
6.09% pa
6.32% pa
$445
$6
Fixed Rate Home Loans - Principal & Interest >80% <95% LVR
Term
Interest Rate
Comparison Rate1
Application
Fee2
Monthly
Fee2
Offset
Account3
1 Year
6.44% pa
6.42% pa
$445
$6
2 Year
6.14% pa
6.37% pa
$445
$6
3 Year
6.14% pa
6.36% pa
$445
$6
4 Year
6.24% pa
6.38% pa
$445
$6
5 Year
6.24% pa
6.38% pa
$445
$6
Rates Effective 1 December 2023. 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.
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.