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Refinancing

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There’s no doubt about it, refinancing is a big decision and even though you’ve been through the process of getting a mortgage before, it can still seem daunting and complicated. That’s where IMB can help.

Whether you’re upgrading, down-sizing or simply looking for a better deal on your home loan an IMB Home Loan Specialist can help smooth the way.

Whatever your reason for refinancing your home loan, you want the process to be as easy as possible. An IMB Home Loan Specialist can help talk you through the many benefits for refinancing your home loan including:

  • Saving money on your current repayments
  • Paying off your loan sooner
  • Adding flexibility via additional features like flexible payment options and free redraw
  • Consolidating your debts for one easy monthly repayment

Home Loans that might be of interest

Product Description Interest rates from

Platinum Package $150,000 + (owner occupier with P&I repayments and less than or equal to 90% LVR)3

IMB’s Platinum Package bundles some of our most popular products, complete with a range of discounts, to offer you a total banking solution. Save with a life of loan interest rate discount on your home loan, open a fee free transaction account and add a 100% offset account. The package has great discounts on extras like insurances and credit cards. 4.69%pa

Interest Rate1

5.08%pa

Comparison rate2

Equity Line Advantage (owner occupier and less than or equal to 90% LVR)

 

The IMB Equity Line Advantage combines your home loan and everyday accounts in one so that your entire income works towards paying off your home loan. Your salary is paid directly into your IMB Equity Line Advantage reducing interest charged. You then simply draw out what you need to cover your living expenses. 5.39%pa

Interest Rate

5.39%pa

Comparison rate2

Essentials Home Loan (owner occupier with P&I repayments and less than or equal to 90% LVR)

 

A win-win option with flexible repayment options, a life-of-loan discount off the standard variable rate AND no monthly account keeping fees. 4.19%pa

Interest Rate1

4.19%pa

Comparison rate2

1. These interest rates apply to owner occupied home loans with principal and interest (P&I) repayments and up to the loan to property value ratio (LVR) limits specified above. Different interest rates apply to home loans with interest only repayments, home loans for investment purposes or for loan amounts outside of the LVR limits specified above. Lending criteria, terms and conditions, fees and charges apply for 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. For new funds only. Not available for refinance of existing IMB loans. 2. These comparison rates are based on a $150,000 secured home loan over 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rate. 3. Interest rates for variable rate home loans under the Platinum Package are based on ‘total package borrowing’ at the time the loan is taken out. ‘Total package borrowing’ is the total of your balances on your home loan accounts under the Platinum Package and credit limit of any Package Equity Line. Any additional repayments that you make will reduce your total package borrowing. 4. 100% Offset facility is available on the IMB Everyday and Everyday Unlimited accounts. Consider the PDS available from IMB before making a decision about IMB deposit products.

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