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Find out about how the construction loan process works.

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a home loan

Find the home loan that will get you building sooner.

a quick loan approval

Ready to build a home?
Apply for approval.



How to get a construction loan in 4 simple steps

Understand the process

Building a home can feel like an enormous process. Check out our guide on the construction loan process to take you from “I wish” to “I’m home”.

Compare home loans

What’s an offset account? Can I redraw on my home loan? Compare home loans, simple and easy.

Talk to an expert

Book a time to speak with an IMB Bank Home Loan Expert, we come to you and can answer all your questions, personally.

Loan approved

Get unconditional approval so you can start building with confidence.

How we can help you

140 years of giving home loans
We have been helping people build homes and achieve their financial goals since 1880.
We can come to you
Our mobile lenders are on standby ready to come to you to discuss how we can help you start building a home.
Dedicated local customer service
As a mutual bank, our members are our shareholders, and we strive to deliver them the best service, value and innovations.
Available anywhere in Australia
Wherever you are in Australia, our team of home loan specialists can help you start building sooner.

Get Started

“I’ve been a member with IMB since my first job at Coles and have always loved the personal service,” says Megan Pracy. As newlyweds, she and husband Matthew (along with lots of help from daughter Valetta) worked with IMB to save their deposit, navigate their entitlements and secure their loan. “When an opportunity to buy our first home, I called Lauren Oakes.”

Then Camden Branch Manager (and now Menai Branch Manager), Lauren had helped the couple’s preparation over the previous two years: setting up term deposits, helping them formulate a budget program to save their deposit, and steering them through NSW First Homebuyer’s Grant, Stamp Duty exemptions and mortgage insurance. It worked. When the contacts were produced, Megan and Matthew were ready.

“The team at IMB have always been incredibly supportive,” says Megan. “We wouldn’t be in our home without them.”

"We wouldn’t be in our home without IMB"

Megan and Matthew from Camden

IMB by numbers


The year we were established


Member Satisfaction*



$10 million

Given to over 700 community projects

Talk to a home loan expert

They will answer any of your questions and assess your situation. This can be at your local branch, on the phone or we can come to you.

Talk to an Expert

Important Information
* Discovery Research 2019.

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.

Find out more