Loan Support

Commonly asked questions to help you with your IMB Bank loan.

Frequently asked loan questions

Top up your loan

What is an offset account

Redraw your extra repayments

Making repayments

How can I change the purpose of my loan from owner occupier to investment or vice versa?

What is the process for switching to a different home loan product?

What effect does interest only repayments have over the life of my loan?

What is the difference between Principal and Interest and Interest Only repayments?

How can I change to interest only repayments?

How much in advance can I pay on a fixed rate loan?

How regularly can I make repayments on my loan?

Why can’t I see a redraw amount on my loan?

How much time and interest will I save if I make extra loan repayments?

How much extra can I pay into my loan account?

What is the difference between offset and redraw?

When is my loan repayment due?

How can I switch between variable and fixed rates?

How does an offset facility work?

How is interest calculated on my loan?

What is a redraw facility?

Home Loan Health Check

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Important Information

Information current as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply.

You should consider the relevant Terms and Conditions or Product Disclosure Statement (PDS) before deciding whether to acquire any IMB products or facilities. Target Market Determinations available here.