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


 

Variable Rate Home Loans - Principal & Interest ≤90% LVR

Home Loan Interest
Rate
Comparision
Rate1
 
Budget Home Loan 3.31% pa 3.37% pa

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Accelerator Home Loan2 3.74% pa 3.68% pa

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Essentials Home Loan 3.41% pa 3.54% pa

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Introductory Variable Home Loan3 4.09% pa 3.70% pa

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Standard Variable Home Loan 5.09% pa 5.15% pa

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

Term Interest
Rate
Comparision
Rate1
 
1 Year 2.84% pa 3.59% pa

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2 Year 2.84% pa 3.53% pa

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3 Year 2.84% pa 3.47% pa

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4 Year 3.29% pa 3.57% pa

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5 Year 3.29% pa 3.55% pa

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Variable Rate Home Loans - Principal & Interest >90% LVR

Home Loan Interest
Rate
Comparision
Rate1
 
Budget Home Loan 3.61% pa 3.67% pa

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Accelerator Home Loan2 3.74% pa  3.68% pa 

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Essentials Home Loan 3.71% pa 3.86% pa

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Introductory Variable Home Loan 4.09% pa  3.70% pa

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Standard Variable Home Loan 5.09% pa 5.15% pa

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Fixed Rate Home Loans - Principal & Interest >90% LVR

Term Interest
Rate
Comparision
Rate1
 
1 Year 2.84% pa 3.59% pa

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2 Year 2.84% pa 3.53% pa

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3 Year 2.84% pa 3.47% pa

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4 Year 3.29% pa 3.57% pa

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5 Year 3.29% pa 3.55% pa

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Home Loan Reference Rates

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Rates Effective 11 October 2019. These interest rates apply to new owner occupier home loans with principal and interest repayments. Different interest rates apply to interest only and investment home loans. Rates shown are for new funds only. Not all rates are available as a switch from another home loan option. Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 1. The comparison rate is based on a $150,000 secured loan for a term of twenty five (25) years for all home loans. 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. 2. 24 months after settlement, loan converts to a 1.50% discount off the standard variable rate. 3. This loan is discounted for the first twelve (12) months before it converts to a 1.50% discount off the standard variable rate.
Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. Full loan terms and conditions are available upon request from any IMB branch or by calling 133 462, 8:00am to 8:00pm Mon-Fri, or 9:00am to 4:00pm Saturday.