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IMB Home Loan Specialists

An IMB Home Loan Specialist will help you through every step of the home buying process - from helping you with a budget and savings plan, to finding you the right home loan, to providing a checklist for when you're moving in! And all in easy-to-understand language (not “bank speak”)! Your IMB Home Loan Specialist is available for you when and where you need them: at your local IMB branch, over the phone by calling 133 462 or they can come to you at a time and place that suits you. Our goal is to make it as easy as possible for you to get into your first home sooner!

Products for First Home Buyers

It's important to know that the home loan you get is the right one for you. Same goes for your savings account, your credit card, your insurances... you get where we're going! With so many options available it makes sense that you have financial products that suit your needs!

IMB has a range of home loans to suit First Home Buyers. This means you have flexibility to choose what you really want in a home loan - whether it's a low introductory variable rate to get you through the first year or a fixed rate for peace of mind. From basic home loans to fully featured mortgage packages, IMB's home loans come with flexible repayment options, redraw facilities and the ability to make advance payments1. Plus, all IMB Members can enjoy free internet, mobile and automated phone banking!

Government help for First Home Buyers

  First Home Owners Grant

To assist First Home Buyers, the Federal Government introduced the First Home Owners Grant (FHOG). The FHOG is a national scheme, but is funded by each state and territory and is governed by their own legislation.

To find out more about the FHOG, talk to an IMB Home Loan Specialist who will be able to explain the Grant and manage your application paperwork so it couldn't be easier for you! You can also find more information at firsthome.gov.au

IMB has been given authority to obtain the FHOG in time for settlement so it can be used towards your deposit or contribute to your establishment fees. You can also nominate an IMB account into which it will be deposited if you want to use it for other costs.

  Stamp Duty Concessions

Some state governments in Australia also provide exemptions or discounts on Stamp Duty incurred when buying your first home. An IMB First Home Buyer Specialist can help you work out whether you are eligible for a Stamp Duty concession.

Home and Contents Insurance

When buying a new home, it might help you sleep at night knowing all of your most valued possessions are protected. If you wish to take out Home and Contents Insurance, IMB can arrange it for you2.

IMB can also arrange a number of other insurances which you might like to consider - including Credit Protection Insurance3 and even Landlord's Insurance2.

 

Important information:
IMB has not considered your financial objectives or needs so please consider the Product Disclosure Statement and Financial Services Guide available from IMB before making a decision about these products. A PDS is available from your local IMB branch, the IMB website or by calling 133462. IMB lending criteria, terms and conditions, fees and charges apply. 1. All features may not be available on all loans. 2. Home & Contents Insurance and Landlord's Insurance is provided by AAI Limited ABN 48 005 297 807 trading as Vero Insurance AFSL No. 230859. IMB receives commission for insurance arranged. All cover is subject to acceptance by Vero. 3. Credit Protection provided by St Andrew's Insurance (Australia) Pty Ltd, ABN 89 075 044 656 AFSL 239649 and St Andrew's Life Insurance Pty Ltd ABN 98 105 176 243, AFSL 281731. IMB receives commission for insurance arranged, All cover subject to acceptance by St Andrew’s.

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Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 139 years. IMB offers a full range of banking solutions including home and personal lending, savings and transaction accounts, term deposits, business banking, financial planning and can arrange a wide range of insurance and travel products.

IMB has a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you. IMB members enjoy access to free automated phone and internet banking and a team of professionals who are just a phone call away at our locally based call centre.

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