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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 or 1, 3 or 5 years for investment home loans. |
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| 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 |
| Term | Interest Rate | Comparison Rate# |
|---|---|---|
| 1 Year | 3.99% pa | 3.55% pa |
| 2 Years | 4.29% pa | 3.66% pa |
| 3 Years | 4.69% pa | 3.84% pa |
| 4 Years | 4.89% pa | 4.01% pa |
| 5 Years | 4.89% pa | 4.12% pa |
| Term | Interest Rate | Comparison Rate# |
|---|---|---|
| 1 Year | 4.09% pa | 3.56% pa |
| 2 Years | 4.39% pa | 3.68% pa |
| 3 Years | 4.79% pa | 3.86% pa |
| 4 Years | 4.99% pa | 4.04% pa |
| 5 Years | 4.99% pa | 4.16% pa |
Click here to view other Interest Rates.
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Important Information:
Star Ratings awarded by CANSTAR March, 2020. IMB Rates current as at date of appearance and subject to change. 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. Normal IMB lending criteria, terms and conditions, fees and charges apply. IMB Ltd trading as IMB Bank. ABN 92 087 651 974 AFSL/Australian Credit Licence 237 391. # Comparison Rate is based on a $150,000 secured 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 different Comparison Rates. 1. Interest rate shown is for new owner occupier loans with P&I repayments and <80% LVR. Different rates, lending criteria and establishment fees may apply to loans with interest only repayments, is for investment purposes or where your loan amount is >80% LVR of your property. 2. Maximum allowed varies depending on state, occupancy, loan amount and security type. 3. Minimum total loan exposure $75,000