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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.

  • 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 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

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

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.

Fees and Charges




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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