Awarded by Canstar September 2017.Interest rate effective as at date of appearance and subject to change. Offer available for a limited time from 06/11/2017 and may be withdrawn at any time. Lending criteria, terms and conditions, fees and charges apply. New applications only not available for refinance of existing IMB loans or for investment purposes. 1. The interest rate shown is for a new owner occupier Budget Home Loan where your loan is ≤90% of your property value (LVR) has principal and interest (P&I) repayments and a transaction account must be opened with the loan. Minimum loan size $75,000. A higher rate and establishment fees apply for interest only repayments, where your loan (inclusive of any capitalised costs e.g. Mortgage Protection Insurance) is >90% of your property value or where a transaction account is not opened in conjunction with the loan. 2. Comparison Rate is based on $150,000 secured loan over 25 years. WARNING: This Comparison Rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different Comparison Rate. 3. IMB establishment fees include application fee, processing fee and title insurance fee. A total saving of $768.74. 4. Minimum redraw $500. A $50 fee applies for redraws in branch or via IMB Direct. IMB Ltd trading as IMB Bank. ABN 92 087 651 974. AFSL/Australian Credit Licence 237 391.