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The first question on everyone's lips is surely this - how much can I borrow? However, it's also really important that as a First Home Buyer you understand the importance of borrowing within your means.

Knowing what you can afford also makes house hunting easier. Understanding your limitations means you can save hours and hours of house hunting in areas that are too expensive for your budget (and that's good news when you consider how many Saturdays you're likely to spend traipsing through agencies and attending open houses!)

To get an idea of how much you can borrow and what your payments will most likely be, use our:

Borrowing Power Calculator

The Borrowing Power Calculator enables you to calculate how much you can expect to borrow based on your current salary and existing financial commitments.

Start calculating

Loan Repayment Calculator

Find out how much your monthly home loan repayments could be and the estimated total interest that may become payable on your home loan.

Start calculating

If you'd like to talk to someone in person about your budgets, borrowing power and loan repayments, IMB's Home Loan Specialist are always available for an obligation-free chat to help you get your head around them.

I've got my deposit saved

If you're one of those savvy savers WITH a deposit, congratulations - you're in a good place! The more you have saved the smaller your loan will be, meaning less interest for you to pay and less time paying the loan off! However, there are still a few things to consider.

IMB Home Loan Specialists are in every IMB branch, on the phone and on the road. To make an appointment or ask a question you can use our online home loan enquiry form, call in to your local IMB or call 133 462.

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The Hive

Keep up to date with all the IMB insider tips for a healthier financial future.

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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