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Buying your next home

We're here to help you navigate how to buy your next home while you sell your current home.

If you are thinking about moving to another home to better suit your changing lifestyle, it’s a good idea to review your home loan options. IMB’s Home Loan Specialists will show you how you can use your buying experience and current home equity to your advantage to find a solution that makes good financial sense.

Choose from our wide range of home loans at competitive interest rates with features such as:

Don’t go it alone - let IMB help you find the best option for your new home!

bridging finance

Buy your new home while you sell your current home

A Bridging loan is a short term loan to fund the purchase of your new property and is paid out with proceeds from the sale of your existing property. To help ease the financial strain during this period, you don't have to make any repayments on your new loan until your existing property is sold.

What we offer

Find the right home loan for your needs

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Basic variable rate

Budget Home Loan

Free redraws using Internet and Mobile Banking1

Unrestricted additional repayments

No monthly fees

6.04
%
p.a.
Variable Interest Rate4
with current discount margin
6.07
%
p.a.
Comparison Rate6
For new owner occupier loans with P&I repayments and ≤70% LVR
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Fixed rate

Fixed Rate Home Loan

Free redraws using Internet and Mobile Banking1

Pay up to 12 months repayments in advance without penalty2

Fixed repayments for 1-5 years

5.99
%
p.a.
2 Year Fixed Rate5
6.34
%
p.a.
Comparison Rate6
For new owner occupier loans with P&I repayments ≤95% LVR
Variable rate with offset account
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Essentials Home Loan

Free redraws using Internet and Mobile Banking1

Unrestricted additional repayments

Link to a 100% Offset Account to reduce the interest payable3

6.24
%
p.a.
Variable Interest Rate4
with current discount margin
6.35
%
p.a.
Comparison Rate6
For new owner occupier loans with P&I repayments and ≤80% LVR
Basic variable rate

Budget Home Loan

Free redraws using Internet and Mobile Banking1

Unrestricted additional repayments

No monthly fees

6.29
%
p.a.
Variable Interest Rate4
with current discount margin
6.35
%
p.a.
Comparison Rate6
For new investment loans with P&I repayments ≤80% LVR
Fixed rate
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Fixed Rate Home Loan

Free redraws using Internet and Mobile Banking1

Pay up to 12 months repayments in advance without penalty2

Fixed rate terms of 1, 3 or 5 Years

6.19
%
p.a.
3 Year Fixed Rate5
6.78
%
p.a.
Comparison Rate6
For new investment loans with P&I repayments and ≤90% LVR
Variable rate with offset account
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Essentials Home Loan

Free redraws using Internet and Mobile Banking1

Unrestricted additional repayments

Link to a 100% Offset Account to reduce the interest payable3

6.34
%
p.a.
Variable Interest Rate4
with current discount margin
6.51
%
p.a.
Comparison Rate6
For new investment loans with P&I repayments ≤80% LVR

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

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

Need support?

Contact us

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

Locate us

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

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?

How We Can Help

We've been supporting our members for over 140 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

Your security, our priority

Security is a fundamental right for our customers, and we hold it as one of our core values.

why us

IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years.

Find out more

Important Information

General

Information current as at date of appearance 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. Minimum redraw $500.

2. Advance repayment costs may apply if you repay more than 12 months in advance on a fixed rate loan.

3. The balance in your 100% offset account reduces the balance used to calculate interest on your home loan. 100% offset is available using the IMB Everyday and IMB Everyday Unlimited Accounts.

4. 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.

5. 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.

6. 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.‍