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You may be able to borrow additional funds on your existing loan if the value of your property has increased since you originally took out your loan. This can give you access a source of funds without having to take out a separate loan.

How does it work?

We take into account your current financial situation, objectives and how much equity is available in your property, to determine how much you can increase your loan. To find out more, please visit your local branch or call an IMB home loan specialist on 133 462. Or fill out the form below and we’ll get in touch with you shortly.

Things to consider

  • Increasing your loan amount may increase your repayments. Please seek financial advice to determine if topping up your loan is the right option for you.
  • There can be fees involved with topping up your loan
  • Top-ups are not available on fixed interest loans without breaking the fixed term contract, which may incur break costs.
  • The minimum top-up amount is $10,000.
  • A valuation may be required on your home, a fee may apply

Need help topping up your IMB Home Loan?

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Frequently Asked Questions

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Normal IMB lending criteria, terms and conditions, fees and charges apply.The advice on this website has been prepared without taking account of your objectives, financial situation or needs. Before you act on this advice you should consider the appropriateness of this advice in regard to your objectives, financial situation and needs. You should consider the relevant Terms and Conditions or Product Disclosure Statement before deciding whether to acquire any of the products shown on this website.

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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