My Credit Union



Consolidate your finances, minimise your interest. The IMB Equity Line Advantage is a line of credit, with an approved credit limit available to use when you need it. And you only pay interest on the amount you use, not the entire credit limit.

  • Total mortgage flexibility
  • Minimise your interest
  • No account keeping fees1
  • Draw up to your approved credit limit as you need

Key features
Minimum loan amount $20,000
Maximum LVR2

Up to 90% of the property value

Maximum loan amount $1,000,000
Home loan period Up to 15 years. After 15 years the loan converts to a reducing credit facility.
Repayments Monthly
Additional Repayments Yes
Access Access is via Internet and Mobile Banking, Phone Banking, Debit Card, IMB Branches, Cheque.
Split loan Available
Interest charges Calculated daily, charged monthly
Fees and charges View fees and charges
Mortgage offset account No
Loan Repayment Insurance Yes
Eligibility For new funds only. Not available as a switch or re-finance from another IMB home loan.


Interest Rates

  Interest Rate Comparison Rate
Equity Line Advantage 4.91% pa N/A

Fees and Charges



iconEnquire NowiconVisit a BranchiconCall 133 462

Important Information:
Normal IMB lending criteria, terms and conditions, fees and charges apply. 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. 1. Transaction fees apply. 2. Maximum allowed varies depending on state, occupancy, loan amount and security type.