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If you already own your own home and have a reasonable amount of equity in it, you may not need to raise any cash to start investing, since lenders may let you use that equity as a deposit for the investment property.  Remember it's not just about reducing the amount you owe on your home that increases your equity.  If the value of your home has risen since you bought it, your equity is likely to have increased as a result.

Investing is also a great way to get started in the property market, especially if you have a deposit saved.  Lenders consider the potential rental income you’ll get from a property when calculating how much you can borrow.  Property can be a viable investment option for a first time property buyer as well as existing property owners.

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This advice is general and does not take into account your objectives, financial situation or needs. You should consider the PDS and Terms & Conditions, available from IMB, before making a decision about products related to property investment. 

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.

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