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Platinum Package

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IMB’s Platinum Package bundles some of our most popular products to offer you a total Better Value Banking solution, complete with discounts for one annual fee. With this package you will enjoy:

CANSTAR Outstanding Value, Owner Occupied Fixed Home Loan, 2017

Platinum Package Owner Occupied Fixed <90%

  • Lower monthly repayments with life-of-loan discounts on the standard variable rate and discounts on Fixed Rates1
  • Discounted Equity Line for greater flexibility1
  •  An IMB Everyday Unlimited transaction account with no monthly account keeping fee and fee free transactions across IMB’s wide range of channels2
  • 100% Off-set Account3
  • No application fee (includes one valuation4)
  • Flexibility to manage up to 4 loans for one annual fee
  • $0 annual fee for IMB’s Platinum MasterCard5
  • 10% discount for the first year on Home and Contents Insurance and Landlord's Insurance policy premiums6
  • A complimentary no-obligation Financial Planning Consultation7

To be eligible you must have an initial total package borrowing8 of at least $150,000.

Click here to view the Interest Rates

Key features
Minimum loan amount $150,000
Maximum loan amount10

Up to 95% of the property value for owner occupiers11

Up to 80% for investment purposes (only for existing members for purchases)11

Home loan period Up to 30 years
Repayment type Principal and Interest
Repayment frequency Monthly / fortnightly / weekly
Additional Repayments Unrestricted on variable rate loans and up to 12 months in advance on fixed rate loans12
Free redraw facility Yes via Internet Banking
Interest charges Calculated daily, charged monthly
Fees and charges View fees and charges
Mortgage offset account Yes - 100% linking to one variable rate loan3
Loan Repayment Insurance Yes
Line of Equity Yes when size of home loan portion is at least $75,000 and maximum Loan to Value Ratio is 90%.
Eligibility For new funds only. Not available as a switch or re-finance from another IMB home loan.

Awarded by Canstar March 2017. 1. Discounts off the standard variable rate and fixed rates. Discounted equity line only available if variable or fixed rate home loan component is at least $75,000 and maximum LVR is 90%. For new funds only. Not available as a switch from another home loan option. Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 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. 2. Fees apply to international transactions and transactions performed via non-IMB channels. Direct charges apply to non-IMB and non-alliance partner ATMs. You should consider the PDS available from IMB before making a decision about IMB deposit products and facilities. 3. 100% Off-set is only available using IMB Everyday or Everyday Unlimited Accounts for one variable rate loan and it does not apply to fixed rate loans under the Platinum Package or the Package Equity Line. 4. The valuation only includes single/primary security at the time of initial application. Other valuation costs may apply. An annual fee of $395 applies. 5. Application must be made within 6 weeks of settlement on the first home loan you establish under the Platinum Package. Issued to approved applicants only. IMB’s Platinum MasterCard is issued by Card Services which is a division of Citigroup Pty Limited ABN 88 004 325 080 Australian Credit Licence 238 098 that provides and administers credit on behalf of IMB Ltd. Terms, conditions, fees and charges apply. 6. IMB arranges Home and Contents Insurance and Landlord’s Insurance on behalf of Vero Insurance Ltd ABN 48 005 297 00 AFSL 280 850. IMB receives a commission for all insurance products arranged. Vero policies have certain limitations, exclusions and conditions. Please consider the Vero Product Disclosure Statement available from IMB. All cover is subject to acceptance by Vero. The 10% discount for the first year applies to Vero Home and Contents Insurance and Landlord’s Insurance premiums when a new policy is purchased via IMB. 7. Financial planning services in NSW are provided by IMB Financial Planning Limited ABN 23 094 730 195 AFSL 234660. 8. ‘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. 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. Any additional repayments that you make will reduce your total package borrowing10. Subject to LMI approval. Maximum LVR allowed varies depending on state, occupancy, loan amount and security type. Maximum loan to Value Ratio is inclusive of any insurance components added to the loan. 11. Investment loans only available to existing IMB members who have held a deposit or loan account for 6 months. 12. Advance repayment costs may apply if you repay more than 12 months in advance on a fixed rate loan.

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