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Guides and tools

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

“I’ve been a member with IMB since my first job at Coles and have always loved the personal service,” says Megan Pracy. As newlyweds, she and husband Matthew (along with lots of help from daughter Valetta) worked with IMB to save their deposit, navigate their entitlements and secure their loan. “When an opportunity to buy our first home, I called Lauren Oakes.”

Then Camden Branch Manager (and now Menai Branch Manager), Lauren had helped the couple’s preparation over the previous two years: setting up term deposits, helping them formulate a budget program to save their deposit, and steering them through NSW First Homebuyer’s Grant, Stamp Duty exemptions and mortgage insurance. It worked. When the contacts were produced, Megan and Matthew were ready.

“The team at IMB have always been incredibly supportive,” says Megan. “We wouldn’t be in our home without them.”

"We wouldn’t be in our home without IMB"

Megan and Matthew from Camden

IMB by numbers


The year we were established



$10 million

Given to over 700 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
# Conditional approval is given to successful applicants and is valid for 60 days. Conditions include the provision of verification documents and security satisfactory to IMB.