Home loan refinancing

New car loan

Online term deposits

Swift code

Business Loan Interest Rates

Variable Business Loan Rates

		Interest Rate
Fully Drawn Business Loan (Commercial Security)	(rates starting from) 6.10 % p.a.	Enquire now	Learn more
Fully Drawn Business Loan (Residential Security)	5.94 % p.a.	Enquire now	Learn more

**Overdraft Rates**
		Interest Rate
Secured Business Overdraft	7.09 % p.a.	Enquire now	Learn more
Unsecured Business Overdraft	10.09 % p.a.	Enquire now	Learn more

**Fixed Business Loan Rates**
	Residential Security Interest Rate¹	Commercial Security Interest Rate¹
1 year	5.89 % p.a.	6.49 % p.a.	Enquire now
2 years	5.69 % p.a.	6.09 % p.a.	Enquire now
3 years	5.79 % p.a.	6.39 % p.a.	Enquire now
4 years	5.99 % p.a.	6.59 % p.a.	Enquire now
5 years	5.99 % p.a.	6.59 % p.a.	Enquire now

How We Can Help

We've been supporting our members for over 145 years

Chat with us online, on a phone, video call or in person.

Empowering our users with streamlined digital banking solutions.

Disaster relief support and help through financial stress.

About IMB

Damian and Elissa from Newcastle

It really eased our minds to know that Vanessa was all over the process and going to let us know what to do at each step.

Kate Munro from the Illawarra

I would definitely point my friends in the direction of IMB if they were looking for a car loan.

Ken and Lauren from Shellharbour

It was the best thing I have done. Don’t wait. Do it and start planning for your future

why us

IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 145 years.

Find out more

Your security, our priority

We want to empower you with the knowledge to stay vigilant, protect your finances and act quickly if you suspect you’ve been targeted.

How to stay secure

Helpful resources on how you and your family can stay safe.

Types of fraud and scams

Learn about the types of fraud and scams.

Security updates

Stay up-to-date on the latest scams and protect yourself and your family.

Need support?

Contact us

Get in touch with one of our Australia-based team.

Call 133 462

Send a message

Locate us

Our friendly branch staff are looking forward to helping you achieve your financial goals.

Find a branch

Important Information

General

Information current as at 18th November 2025 and subject to change. Lending criteria, terms and conditions, fees and charges apply and available upon request.

Interest rates are for new applications only and they are not available for refinance of existing IMB loans. A borrower margin may apply.

Rates and features

1. Fixed interest rates are indicative and may vary on settlement. All fixed rate loans convert to a variable rate at the end of the fixed rate loan term.

IMB Bank acknowledges the Traditional Owners of Country throughout Australia and recognises their continuing connection to lands, waters and communities. We pay our respect to Aboriginal and Torres Strait Islander cultures and to Elders past and present, and emerging cultural knowledge holders.

The advice on this website has been prepared without taking account of your objectives, financial situation or needs. Before you act on this advice you should consider the appropriateness of this advice in regard to your objectives, financial situation and needs. Lending criteria, terms and conditions, fees and charges apply to IMB loan products. You should consider the relevant Terms and Conditions and Product Disclosure Statement before deciding whether to acquire any of the products or facilities shown on this website. View our Target Market Determinations.

BSB 641 800 | ABN 92 087 651 974 | AFSL 237 391 | Australian Credit Licence 237 391