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You can also pay up to 12 months repayments in advance without penalty. Choose from a fixed loan term of 1-5 years for owner occupier home loans.

  • Fixed loan repayments for peace of mind and easy budgeting
  • Up to 12 months repayments in advance without penalties
  • Free Internet and Mobile Banking redraws
     
Key features
Minimum loan amount3 $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 Up to 12 months without penalty, fees apply after this
Free redraw facility Yes via Internet and Mobile Banking
Split loan Available
Interest charges Calculated daily, charged monthly
Fees and charges View fees and charges
Mortgage offset account No

 

Interest Rates

Owner Occupier P&I ≤80% LVR

Term Interest Rate1 Comparison Rate#
1 Year 6.29% pa 6.40% pa
2 Years 5.99% pa 6.34% pa
3 Years 6.09% pa 6.35% pa
4 Years 6.09% pa 6.33% pa
5 Years  6.09% pa 6.32% pa

Owner Occupier P&I >80% <95% LVR

Term Interest Rate1 Comparison Rate#
1 Year 6.44% pa 6.42% pa
2 Years 6.14% pa 6.37% pa
3 Years 6.24% pa 6.39% pa
4 Years 6.24% pa 6.38% pa
5 Years  6.24% pa 6.38% pa

Click here to view other Interest Rates.

Fees and Charges

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Important Information:

Information current as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply. Minimum total loan exposure $75,000. Eligibility criteria must be met to apply online. Split loan options not available in online applications. You should consider the relevant Terms and Conditions or Product Disclosure Statement (PDS) before deciding whether to acquire any IMB products or facilities. Target Market Determinations available here.

# 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.

1.  Fixed rates are indicative and may vary on settlement. All fixed loans convert to a discount off the standard variable rate at the end of the fixed term.

2. Maximum allowed varies depending on state, occupancy, loan amount and security type.

3. Minimum total loan exposure $75,000