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Buying your first home is an exciting time but it can also be quite daunting. IMB has put together all the information you need to know about buying a home and the home loan process, including some helpful checklists to walk you through this memorable time in your life. We have the tools to help you choose the right home loan and some great calculators to find out how much you can borrow.

Let's take the first steps to owning your own home!

Home Loans that might be of interest:

Budget Home Loan

A low cost home loan option, the Budget Home Loan has a discount off the standard variable rate for the life of the loan, so you’ll always pay less.



3.18% pa Variable Interest Rate1

3.24% pa Comparison Rate2

For new owner occupier loans with P&I repayments <90% LVR

Accelerator Home Loan

The IMB Accelerator Home Loan provides you everything you need to pay off your home loan faster. Special discounted rate for the first two years3, no monthly account keeping fees, 100% offset4 and unrestricted additional repayments.


3.61% pa Variable Interest Rate1

3.55% pa Comparison Rate2

For new owner occupier loans with P&I repayments <95% LVR



1. These interest rates apply to owner occupied home loans with principal and interest (P&I) repayments and up to the loan to property value ratio (LVR) limits specified above. Different interest rates apply to home loans with interest only repayments, home loans for investment purposes or for loan amounts outside of the LVR limits specified above. 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. For new funds only. Not available for refinance of existing IMB loans. 2. 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 different comparison rate. 3. After two years loan converts to a 1.50% discount off the standard variable rate. 4. 100% offset facility is available on the IMB Everyday and IMB Everyday Unlimited Accounts. Please consider the PDS available from IMB before making a decision about IMB deposit products.

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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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