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Calculator Disclaimer
Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. IMB may not provide loans with the details indicated in the calculator. The specific details of your loan will be provided to you in your loan contract. It is advised that you consult your financial adviser before taking out a loan.
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.
IMB loan repayments are based on a monthly minimum repayment amount. More frequent payments can be made subject to coverage of the monthly minimum amount. Speak to IMB about your options. 

 

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.

Apply for a home loan

Book a time to speak with an IMB Bank home loan expert or apply for a home loan online.

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.

Apply now

“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

1880

The year we were established

95%

Member Satisfaction*

200,000

Members

$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, IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years. Our members can access a fully featured range of services: home and personal lending, savings and transaction accounts, term deposits, business banking, and more.

Our renowned personal service is backed by innovation, providing convenient, secure digital banking options where and when you want it. IMB also has a growing retail branch network throughout NSW and Victoria, for when you need to speak to someone in person, and a team of professionals at our locally based contact centre. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

Find out more