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 Rate1
3.09% pa Comparison Rate2
For new owner occupier loans with P&I repayments and <80% LVR
The IMB Essentials Home Loan allows you to save on your home loan without compromising on features.
$0 IMB Establishment Fee, 100% Offset account3 and Life of Loan Discounted Rate.
3.23% pa Variable Interest Rate1
3.37% pa Comparison Rate2
For new owner occupier loans with P&I repayments <90% LVR
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. 1. These interest rates apply to owner occupier home loans with principal and interest (P&I) repayments and up to the loan to property value ratio (LVR) limits specified above. Interest rates are for new funds only and not available for refinance of existing IMB loans. 2. 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. 3. 100% offset facility is available on the IMB Everyday and IMB Everyday Unlimited Accounts. Please consider the PDS available from IMB before making a decision about IMB deposit productsNew applications only. Not available for refinance of existing IMB loans. Minimum loan size $75,000.
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 Rate1
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% offset3, flexible repayment options, life of loan discounted rate and no monthly account keeping fees.
3.43% pa Variable Interest Rate1
3.61% pa Comparison Rate2
For new investment loans with P&I repayments <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. 1. These interest rates apply to investor home loans with principal and interest (P&I) repayments and up to the loan to property value ratio (LVR) limits specified above. Interest rates are for new funds only and not available for refinance of existing IMB loans. 2. 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. 3. 100% offset facility is available on the IMB Everyday and IMB Everyday Unlimited Accounts. Please consider the PDS available from IMB before making a decision about IMB deposit productsNew applications only. Not available for refinance of existing IMB loans. Minimum loan size $75,000.
Building a home can feel like an enormous process. Check out our guide on the construction loan process to take you from “I wish” to “I’m home”.
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.
Get unconditional approval so you can start building with confidence.
How we can help you |
139 years of giving home loans
We have been helping people build 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 start building a 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 start building sooner. |
|
Determined to own their own home in the Newcastle area, Danielle and Chris Blanch had spoken to eight different lenders on and off for two years trying to secure a home loan.
The problem? Chris was self-employed and it was proving a challenge to find a lender who could meet their needs. When Vanessa called her, they had just made the difficult choice to put Chris’ lawn-mowing business on hold so he could get a full-time job to help them meet the conditions required by other financial institutions. Two days later – on the Monday – the couple had conditional approval and they put an offer in on the house they had looked at. Within 21 days, they were formally approved and were the proud owners of a three-bedroom home. |
"Thanks IMB, you made our dreams come true!" Danielle and Chris from Newcastle |
IMB by numbers |
|
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 |
|
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. |
|
|