Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 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. 1. The interest rate shown is for a new investment Essentials Home Loan with principal and interest (P&I) repayments where your loan is ≤85% of the property value (LVR) and includes a 0.15% p.a. reduction which is available when combined with a new or existing IMB owner occupied loan. This offer may be withdrawn by IMB at any time. 2. This comparison rate is based on a $150,000 secured home 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 might result in a different comparison rate. 3. 100% Offset facility is available on the IMB Everyday and IMB Everyday Unlimited Accounts. Consider the PDS available from IMB before making a decision about these products. IMB Ltd trading as IMB Bank. ABN 92 087 651 974. AFSL/Australian Credit Licence 237 391.