Owner occupier home loan rates & fees

View our home loan rates and fees for living in the home.

Up to $4,000 cashback

Simply switch your eligible home loan to IMB Bank*

Settle within 90 days. LVR up to 80%.
$4,000 for loans ≥ $1mil. $3,000 for loans $700k<$1mil.
$2,000 for loans $350k<$700K.

Disclaimer

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.

Principal and Interest - LVR up to 70%

Home Loan

Budget Home Loan

Interest Rate1 with current discount margin

6.04%p.a

Comparison Rate2

6.07%p.a

Learn more

Essentials Home Loan

6.24%p.a

6.35%p.a

Learn more

Principal and Interest - LVR above 70% up to 80%

Principal and Interest – LVR above 80% up to 90%

Principal and Interest – LVR above 90% up to 95%

Interest rates shown are for new owner occupied loans on principal and interest repayments. Interest Only rates are available here.

Principal and Interest - LVR up to 95%

Applying for a home loan is easy

Understand home loans

Review our home loan help articles or speak with one of our home loan specialists to better understand home loans.

Compare your options

We offer a fixed rate, basic variable rate and variable with offset account. You can also use a home loan calculator to see how much you could borrow and what your repayments will be.

Apply online in under 10 minutes

Our digital home loan application let's you get started on your own, or one of our home loan specialists can help you out.

Got a question on Home Loans?

What type of security can be used for the guarantee provided to support the Family Guarantee Home Loan?

How can I calculate what my repayments will be?

Can I do weekly/fortnightly repayments?

How long does home loan pre-approval/conditional approval last?

Can you have a split loan?

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Important Information

General

Information current as of 3rd July 2024 and subject to change. Lending criteria, terms and conditions, fees and charges apply. Minimum total loan exposure $75,000. Eligibility criteria must be met to apply online. Split loan options not available in online applications.  

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. 

Purpose, repayment type and LVR

Interest rates for each type of home loan are based on criteria that includes purpose (owner occupier or investment), repayment type (principal and interest (P&I) or interest only) and loan to value ratio (LVR). Different interest rates and establishment fees may apply if the purpose, repayment type or LVR is different to the purpose, repayment type or LVR for the interest rate shown. 

Rates and features 

1. Variable rate loans have a discount off the standard variable rate. The discount margin 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. They are for new applications only and they are not available for refinance of existing IMB loans. Also refer to the general information above. 

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 examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

3. Fixed interest rates are indicative and they may vary on settlement. Different interest rates apply to other fixed rate terms. All fixed rate loans convert to a variable interest rate with a discount off the standard variable rate at the end of the fixed rate term. Also refer to the general information above.