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Investing in property can be a key step to achieving your long term wealth creation goals. It’s a big step, with different considerations depending on whether you already own a property or if this is your first step into the property market.  We have put together a simple summary of the key things you should know, consider and do as you progress from evaluating the idea in principle, right through to ensuring you have a good tenant paying the right rental return.

IMB has home loan specialists and financial planners who can help and advise you throughout the process of buying an investment property.

To make an appointment or ask a question you can use our online inquiry form, call in to your nearest IMB or call 133 462.

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

Essentials Home Loan

The IMB Essentials Home Loan allows you to save on your home loan without compromising on features.

100% offset1, flexible repayment options, life of loan discount off the standard variable rate and no monthly account keeping fees.

4.42% pa Variable Interest Rate2

4.48% pa Comparison Rate3

For new investment loans with P&I repayments <85% of the property value

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, 3 or 5 Years and up to 12 months repayments in advance without penalties4

4.14% pa3 Year Fixed Rate2

5.01% pa Comparison Rate3

For investment loans <85% of the property value


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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 investment home loans with principal and interest (P&I) repayments. Different interest rates apply to interest only and owner occupier home loans. Variable rates for new funds only and 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. 4. Fixed interest rates are indicative and they may vary on settlement. All fixed loans convert to a discount off the standard variable rate at the end of the fixed term.

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Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 138 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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