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If you are thinking about moving to another home to better suit your changing lifestyle, it’s a good idea to review your home loan options. IMB’s Home Loan Specialists will show you how you can use your buying experience and current home equity to your advantage to find a solution that makes good financial sense.

Choose from our wide range of home loans at competitive interest rates with features such as:

  • Life of loan interest rate discounts - to help keep your loan repayments low
  • Competitive fixed loan rates - to give you peace of mind
  • 100% Offset Account - make all your money work towards paying off your mortgage sooner
  • Free Internet and Mobile Banking redraws

Don’t go it alone - let IMB help you find the best option for your new home!

Home Loans that might be of interest to you...

Essentials Home Loan

A win-win option with flexible repayment options, a life-of-loan discount off the standard variable rate and 100% offset account1.


2.49% pa Variable Interest Rate2

2.63% pa Comparison Rate3

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

Fixed Rate Home Loan 

The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments. Fixed rate terms of 1-5 Years and up to 12 months repayments in advance without penalties.

3.49% pa 2 Year Fixed Rate2

2.90% pa Comparison Rate3

For new owner occupier loans with P&I repayments <=80% of the property value


1. 100% Offset is available using the Everyday and Everyday Unlimited Accounts. Please consider the PDS available from IMB before making a decision about IMB deposit products. 2. 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. For new funds only. Not available for refinance of existing IMB loans. 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. 3. 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. 

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.

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