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Investment Home Loan Interest Rates

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Interest rates shown are for investment loans on principal and interest repayments. Interest Only rates are available here  

 

New loans are only available to existing members for purchases of an investment property with a loan to value ratio of up to 70%1

Variable Rates ≤70% LVR

  Interest Rate p.a. Comparison Rate p.a.2    
Standard Variable Home Loan 5.76% 5.81%

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Essentials Home Loan1 4.83% 4.88%

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Investment Loan P&I (No longer available for new business) 4.19% 4.26%    

Fixed Rate Home Loan Rates ≤70% LVR

  Interest Rate p.a. Comparison Rate p.a.2    
1 Year Fixed Rate 4.54% 5.47%

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3 Year Fixed Rate 4.64% 5.34%

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5 Year Fixed Rate 4.94% 5.34%

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Platinum Package Variable Home Loan Rates ≤70% LVR3

  Interest Rate p.a. Comparison Rate p.a.2    
$150,000 + 5.06% 5.45%

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$500,000 + 4.96% 5.35%    

Platinum Package Fixed Home Loan Rates ≤70% LVR

  Interest Rate p.a. Comparison Rate p.a.2    
1 Year Fixed Rate 4.44% 5.28%

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3 Year Fixed Rate 4.54% 5.16%

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5 Year Fixed Rate 4.84% 5.18%

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Equity Line (Interest Only)

  Interest Rate p.a. Comparison Rate p.a.2    
Equity Line Advantage 5.39% N/A

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Platinum Package Equity Line 4.99% N/A

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Click here for our standard variable reference rates

Rates Effective 20 September 2017. 1. These interest rates apply to new investment home loans with principal and interest repayments. Different interest rates apply to interest only and owner occupier home loans. New Investment loans available to existing members for purchase only and not available for re-finance of existing loans held with other financial institutions. Not all rates are available as a switch from another home loan option. Maximum loan to value ratio (LVR) is inclusive of any insurance components added to the loan. Lending criteria terms and conditions, fees and charges apply to IMB home loans. 2. The comparison rate is based on a $150,000 secured loan for a term of twenty five (25) years for all home loans. 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. Interest rates for variable rate home loans under the Platinum Package are based on 'total package borrowing' at the time the loan is taken out. 'Total package borrowing' is the total of the balances on your home loan accounts under the Platinum Package and credit limit of any Package Equity Line. Any additional repayments that you make will reduce your total package borrowing. Package Equity Line available when variable or fixed rate portion of package is a minimum of $75,000. Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. 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.