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The IMB Bridging Loan has been specially designed to provide you with a smooth and hassle-free solution when re-locating prior to selling your existing property.

A Bridging loan is a short term loan to fund the purchase of your new property and is paid out with proceeds from the sale of your existing property. To help ease the financial strain during this period, you don't have to make any repayments on your new loan until your existing property is sold. Interest charges are capitalised – this means they are added to the loan balance.

IMB can set up your bridging loan to your specific needs and you have up to 6 months to sell your existing property. Bridging Finance is only available on IMB's Standard Variable Loan.

Key features
Eligibility Available to personal borrowers. Bridging finance is not available for Investment or business purposes.
Maximum bridging term Up to 6 months
Minimum loan amount $20,000
Maximum loan amount $2,500,000
Maximum Loan to Value Ratio (LVR)1 75% combined LVR during the bridging period (inclusive of capitalised interest).
80% LVR on the remaining loan after the sale of the existing property and repayment of bridging loan
Repayments During the bridging term, repayments are not required.
Minimum repayments must be made any existing IMB loan(s) for the existing security property.
Redraw Not available on bridging finance.
Mortgage Offset Account Not available
Acceptable security IMB must be registered as first party on a 1st Mortgage over both the property being sold and the property being purchased. 


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Important Information:
Normal IMB lending criteria, terms and conditions, fees and charges apply. 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. 1. Maximum LVR varies depending on state, occupancy, loan amount, security type and is inclusive of any insurance components added to the loan.

Why choose us?

Established in 1880, we have been helping people achieve their financial goals for 140 years and are rated by Forbes as one of the World’s Best Banks. We offer a full range of competitive banking, including home and personal lending, savings and transaction accounts, term deposits, business banking, and can arrange financial planning, insurance and travel products.

We provide simple and secure digital banking solutions online and on mobile, and members enjoy access to free automated phone and internet banking, and a team of professionals at our locally based contact centre. With a growing branch network throughout the Illawarra, Sydney, NSW South Coast, Newcastle/Hunter, the ACT and Melbourne, we have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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