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The Standard Variable Loan offers a competitive interest rate and a 100% offset account which means you can make all your money work towards paying off your loan faster.

  • 100% Offset Account3
  • Unrestricted additional repayments
  • Free Internet and Mobile Banking redraws

Key features
Minimum loan amount1 $10,000
Maximum loan amount2

Up to 95% of the property value

Home loan period Up to 30 years
Repayment type Principal and Interest or Interest Only
Repayment frequency Monthly / fortnightly / weekly
Additional Repayments Unrestricted
Free redraw facility Yes via Internet and Mobile Banking
Interest charges Calculated daily, charged monthly
Fees and charges View fees and charges
Mortgage offset account Yes
Bridging Finance Yes - learn more


Interest Rates

Standard Variable Home Loan Interest Rate Comparison Rate#
For new owner occupier loans with P&I repayments <95% of the property value 5.46% pa 5.52% pa

Fees and Charges




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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. # This comparison rate is based on a $150,000 secured home loan over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. 1. Minimum total loan exposure $75,000. 2. Maximum allowed varies depending on state, occupancy, loan amount and security type. 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 products.