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Fixed Rate Home Loan

For investing in property
Gives you peace of mind with the security of fixed loan repayments for the fixed term period of your loan.
Get it done with IMB Bank using our easy online application.

6.29

% p.a

3 year fixed Rate1

6.81

% p.a

Comparison Rate2

For new investment loans with P&I repayments ≤90% LVR

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 $750k<$1mil.
$2,000 for loans $500k<$750K.

Disclaimer

Features

Choose from a fixed loan term of 1, 3 or 5 years for investment home loans. Save on your home loan without compromising on features, with:

Fixed loan repayments for peace of mind and easy budgeting
Up to 12 months repayments in advance without penalties3
Free Internet and Mobile Banking redraws4

Other features

Eligibility criteria

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

Term

Interest Rate1

Comparison Rate2

1 Year

6.39

% p.a.

6.92

% p.a.

3 Years

6.29

% p.a.

6.81

% p.a.

5 Years

6.24

% p.a.

6.70

% p.a.

Get to know the numbers

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.

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About IMB

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

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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 Member Guide to Transaction Banking - Product Disclosure Statement before deciding whether to acquire any IMB products or facilities. Target Market Determinations available here.

Purpose, repayment type and LVR

Interest rates 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.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.

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

4.Minimum redraw $500.

5.Maximum allowed varies depending on state, occupancy, loan amount and security type.