Home Loans
Living in

Fixed Rate Home Loan

For living in the home
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.


% p.a

2 year fixed Rate1


% p.a

Comparison Rate2

For new owner occupier loans with P&I repayments ≤95% 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.



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

Rates & Fees

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

Owner Occupied Principal and Interest repayments ≤ 95% LVR


Interest Rate1

Comparison Rate2

1 Year


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2 Years


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3 Years


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4 Years


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5 Years


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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.

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


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.