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First home buying resources

buying guides

Simple first home buyer guides

Preparing to buy my first home

Buying your first home? Go, you! Now’s the time. IMB’s First Home Buyers Guide provides easy explanations through the journey of buying your first home.

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How to buy my first home

You’ve done the research, have an expectation for price and value in the area, have your deposit (and extras) sorted and are feeling primed. It’s now time to organise your loan and buy your first home.

  1. Get ‘Conditional Approval’
  2. Types of Home Loans
  3. Make an Offer
  4. Hire a Solicitor/Conveyancer
  5. Get a Contract of Sale
  6. Get a Building and Pest inspection
  7. Get Formal Approval
  8. Review Contracts of Sale
  9. Exchange Contracts
  10. Cooling-off Period
  11. Settlement

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How to get your first home loan in 4 simple steps

Understand the basics

Buying your first home is both daunting and incredibly exciting. Check out our step-by-step guides to take you from “I wish” to “I’m home”.

Compare home loans

Fixed rate or variable rate? What’s an offset account? Can I redraw on my home loan? Compare home loans, simple and easy.

Talk to an expert

Book a time to speak with an IMB Bank Home Loan Expert, we come to you and can answer all your questions, personally.

Loan approved

Found your dream home or are shopping around? Get conditional approval# so you can buy with confidence.

How we can help you

140 years of giving home loans
We have been helping people buy their first 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 get you into your first home.
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 get into your first home sooner.

Get Started

“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 90 days. Conditions include the provision of verification documents and security satisfactory to IMB.