Save on your home loan with IMB’s low rate Budget Home Loan.
You'll get a discount off the standard variable rate for the life of the loan, no monthly fees, unrestricted additional repayments and free Internet and Mobile Banking redraw.
3.03% pa Variable Interest Rate
3.09% pa Comparison Rate#
For new owner occupier loans with P&I repayments and <80% LVR
The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments.
Fixed rate terms of 1-5 Years and up to 12 months repayments in advance without penalties
2.84% pa2 Year Fixed Rate
3.42% pa Comparison Rate#
For new owner occupier loans with P&I repayments
The IMB Essentials Home Loan allows you to save on your home loan without compromising on features.
$0 IMB Establishment Fee, 100% Offset account and Life of Loan Discounted Rate.
3.23% pa Variable Interest Rate
3.37% pa Comparison Rate#
For new owner occupier loans with P&I repayments <90% LVR
Save on your home loan with IMB’s low rate Budget Home Loan.
You'll get a discount off the standard variable rate for the life of the loan, no monthly fees, unrestricted additional repayments and free Internet and Mobile Banking redraw.
3.33% paVariable Interest Rate
3.39% pa Comparison Rate#
For new investment loans with P&I repayments <90% of the property value
The IMB Essentials Home Loan allows you to save on your home loan without compromising on features.
100% offset, flexible repayment options, life of loan discounted rate and no monthly account keeping fees.
3.43% pa Variable Interest Rate
3.61% pa Comparison Rate#
For new investment loans with P&I repayments <90% of the property value
The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments.
Fixed rate terms of 1, 3 or 5 Years and up to 12 months repayments in advance without penalties
3.14% pa3 Year Fixed Rate
3.87% pa Comparison Rate#
For new investment loans with principal and interest repayments and <90% of the property value
Rates current as at date of appearance and subject to change. 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. # This comparison rate is based on a $150,000 secured home loan over 25 years. 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. New applications only. Not available for refinance of existing IMB loans. Minimum loan size $75,000.
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guides and tools Find out all you need to know about buying your first home. |
a home loan Find the home loan that will get you into your first home. |
a quick loan approval Ready to buy your first home or land? Apply for conditional approval#.
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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”.
Fixed rate or variable rate? What’s an offset account? Can I redraw on my home loan? Compare home loans, simple and easy.
Book a time to speak with an IMB Bank Home Loan Expert, we come to you and can answer all your questions, personally.
Found your dream home or are shopping around? Get conditional approval# so you can buy with confidence.
How we can help you |
139 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. |
95% member satisfaction*
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. |
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“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 |
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1880 The year we were established |
95% Member Satisfaction* |
200,000 Members |
$10 million Given to over 700 community projects |
Talk to a home loan expert |
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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. |
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