House & Home

House & Home

Is an investment property right for you?

One of the main reasons people invest in property is that it provides both ongoing rental income and the potential for capital gain, both of which are highly appealing.

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Refinancing your home loan: what do you need to know?

Once you’ve purchased a property and have a home loan, one of the perks is that you already have experience with the home loan application process. This firsthand knowledge can be incredibly valuable when it comes to refinancing that mortgage to obtain a lower interest rate, pay it off faster or save money over the long run.

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Why not all Home and Contents Insurance policies are equal

For most people, shopping around for the best deal on Home and Contents Insurance comes down to a comparison on price. But is the annual premium the best measure of a policy’s value? Different insurers have different policies about what’s included and what’s excluded in a Home and Contents Insurance policy. Here are three classic examples to look out for:

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Is now the time to consider a refinance of your home loan?

If you’ve been keeping track of the RBA cash rate announcements lately, you may know that we are at a historic low rate of 1.5 per cent1. This means that competition in the mortgage market has been fierce with many lenders cutting rates to below 4 per cent for some of their home loan products.

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4 Financial myths debunked

Some commonly held financial beliefs may not necessarily be true.

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Home Loans: Fixed variable or split?

To begin your journey towards buying a property, you may find that raising capital is an important aspect in making your first purchase. Many Australians rely on mortgages to purchase their first owner-occupied home.

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Investing in property

Just like cash, shares, stocks and deposit account products, a property might be an option to investors who would like to put their money to work. Whether for a passive supplementary income, a pathway toward financial independence or a retirement plan, real estate might offer you an efficient way towards achieving your financial goals.

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Common conveyancing terms

Buying a property can be a serious undertaking, and it pays to make sure you go into it fully informed. Conveyancing is an integral part of the purchase or selling process, so consider familiarising yourself with these important introductory conveyancing terms.

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Home loans glossary of terms

Mortgages can be complex pieces of documentation – consider arming yourself with knowledge of these introductory terms to help understand the process.

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Renovating on a budget

Marina from The School of Renovating shares her tips on how you can renovate on a budget and get the best deals possible to save time and money.

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Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 138 years. IMB offers a full range of banking solutions including home and personal lending, savings and transaction accounts, term deposits, business banking, financial planning and can arrange a wide range of insurance and travel products.

IMB has a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you. IMB members enjoy access to free automated phone and internet banking and a team of professionals who are just a phone call away at our locally based call centre.

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