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Discover all you need to know about refinancing your home loan.

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A new home loan

Find a new home loan to save you time and money off your current loan.

Fast, easy application

Applying is easy. Apply, upload documents and track progress anytime, anywhere on any device.

 

 

How to refinance your home loan in 4 simple steps

Understand refinancing

Refinancing your home loan can be confusing and daunting. Check out our refinance guides to take you a step closer to saving time and money off your loan.

See how much you can save

Use our simple refinance calculator to see how much time and money you could save by refinancing.

Apply for a home loan

Book a time to speak with an IMB Bank home loan expert or apply for a home loan online. 

We'll do the hard work

Once you’ve decided on the loan that will best suit you, we will do the hard work to get your home loan out of your life sooner.

How we can help you

140 years of giving home loans
We have been helping people buy homes and achieve their financial goals since 1880.
 
We can come to you
Our mobile lenders are on standby ready to come to you to discuss how we can help you switch to a better home loan.
Dedicated local customer service
As a mutual bank, our members are our shareholders, and we strive to deliver them the best service, value and innovations.
Available anywhere in Australia
Wherever you are in Australia, our team of home loan specialists can help you refinance to a better home loan.

Apply now

Damian and Elissa from Newcastle

Buying our first home with IMB

When Damian and Elissa were ready to buy their first home, things got tricky with their previous financial institution. “We quite quickly needed to get our finances sorted,” Damian says. “They weren’t clear on how much money we needed in order to get a loan and left out key details.”  

“As we got into the process, they said we’d need money upfront for lenders mortgage insurance, which threw a spanner in the works,” Elissa explains.

Damian and Elissa got in touch with Vanessa Muddiman, an IMB Mobile Lender in Newcastle. “Vanessa mapped out all the steps for us” says Elissa. “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.”

With IMB, the couple had their loan application approved and have since moved into their new home. Vanessa has stayed in touch since and subsequently helped the couple take advantage of a lower interest rate on their mortgage. “That was really good because we were so busy at the time with our newborn that we didn’t even think to look at our rate. It was so fantastic of her to go above and beyond in that way,” Damian says.

 

IMB by numbers

1880

The year we were established

210,000

Members

$11 million

Given to over 850 community projects

Talk to a home loan expert

They will answer any of your questions and assess your situation. This can be at your local branch, on the phone or we can come to you.

Talk to an Expert


Important Information

Information current as at date of appearance and subject to change. 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 or Product Disclosure Statement before deciding whether to acquire any of the products shown on this website. Minimum total loan exposure $75,000. Eligibility criteria must be met to apply online. Split loan options not available in online applications. Target Market Determinations available here.

Interest rates shown are for new investment 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.

Variable Rates ≤80% LVR

Home Loan Interest Rate
with current discount margin
Comparision Rate1    
Budget Home Loan 6.34% pa 6.40% pa

Apply

Enquire

Essentials Home Loan 6.44% pa 6.61% pa

Apply

Enquire

Variable Rates ≤90% LVR

Home Loan Interest Rate
with current discount margin
Comparision Rate1    
Budget Home Loan 6.49% pa 6.55% pa

Apply

Enquire

Standard Variable Home Loan 9.53% pa 9.60% pa

Apply

Enquire

Essentials Home Loan 6.59% pa 6.76% pa Apply

Enquire

Fixed Rate Home Loans - Principal & Interest ≤90% LVR

Term Interest Rate Comparision Rate1    
1 Year 6.39% pa 6.92% pa

Apply

Enquire

3 Year 6.29% pa 6.81% pa Apply

Enquire

5 Year 6.24% pa 6.70% pa Apply

Enquire

Home Loan Reference Rates

Apply NowiconTalk to a LendericonVisit a BranchiconCall 133 462

Rates Effective 30 January 2024. These interest rates apply to new investment home loans with principal and interest repayments. Different interest rates apply to interest only and owner occupier home loans. Not all rates are available as a switch from another home loan option. Maximum loan to value ratio (LVR) is exclusive of any insurance components added to the loan. Lending criteria terms and conditions, fees and charges apply to IMB home loans. 1. The comparison rate is based on a $150,000 secured loan for a term of twenty five (25) years for all home loans. 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. Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. 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.

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.

 

Variable Rate Home Loans - Principal & Interest ≤80% LVR

Home Loan Interest Rate
with current discount margin
Comparison Rate1    
Budget Home Loan 6.14% pa 6.17% pa

Apply

Find out more

Essentials Home Loan 6.24% pa 6.35% pa

Apply

Find out more

Variable Rate Home Loans - Principal & Interest >80% ≤90% LVR

Home Loan Interest Rate
with current discount margin
Comparison Rate1    
Budget Home Loan 6.44% pa 6.50% pa

Apply

Find out more

Essentials Home Loan 6.54% pa 6.65% pa

Apply

Find out more

Variable Rate Home Loans - Principal & Interest ≤95% LVR

Home Loan Interest Rate
with current discount margin
Comparison Rate1    
Budget Home Loan 6.84% pa 6.90% pa

Apply

Find out more

Essentials Home Loan 6.94% pa 7.05% pa

Apply

Find out more

Standard Variable Home Loan 8.96% pa 9.03% pa

Apply

Find out more

Fixed Rate Home Loans - Principal & Interest ≤80% LVR

Term Interest Rate Comparison Rate1    
1 Year 6.29% pa 6.40% pa

Apply

Find out more

2 Year 5.99% pa 6.34% pa

Apply

Find out more

3 Year 6.09% pa 6.35% pa

Apply

Find out more

4 Year 6.09% pa 6.33% pa

Apply

Find out more

5 Year 6.09% pa 6.32% pa

Apply

Find out more

Fixed Rate Home Loans - Principal & Interest >80% <95% LVR

Term Interest Rate Comparison Rate1    
1 Year 6.44% pa 6.42% pa

Apply

Find out more

2 Year 6.14% pa 6.37% pa

Apply

Find out more

3 Year 6.24% pa 6.39% pa

Apply

Find out more

4 Year 6.24% pa 6.38% pa

Apply

Find out more

5 Year 6.24% pa 6.38% pa

Apply

Find out more

 

Home Loan Reference Rates

Apply NowiconTalk to a LendericonVisit a BranchiconCall 133 462

Rates Effective 30 January 2024. These interest rates apply to new owner occupier home loans with principal and interest repayments. Different interest rates apply to interest only and investment home loans. Rates shown are for new funds only. Not all rates are available as a switch from another home loan option. Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 1. The comparison rate is based on a $150,000 secured loan for a term of twenty five (25) years for all home loans. 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.
Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. 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.

 

Why choose us?

Established in 1880, IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years. Our members can access a fully featured range of services: home and personal lending, savings and transaction accounts, term deposits, business banking, and more.

Our renowned personal service is backed by innovation, providing convenient, secure digital banking options where and when you want it. IMB also has a growing retail branch network throughout NSW and Victoria, for when you need to speak to someone in person, and a team of professionals at our locally based contact centre. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

Find out more