Personal /
Loans /

Attention: open in a new window. Print

Managing your existing loan

Home loan health check

It’s never been easier to make sure your loan is working for you. Fill out this online form to set up an appointment at your local branch or over the phone.

Learn more

Top up your loan

If you are planning improvements on your home, want to buy a new car or need to consolidate your debts, increasing your existing loan could be for you.

Learn more


Building equity in your home

Equity is the difference between the value of your property and the outstanding balance on your loan. As equity increases you may have options such as purchasing investments or taking out a line of credit. 

Learn more

Change your IMB home loan

We understand your circumstances may change following settlement, we are here to make sure your loan suits you best. Whether it be a fixed term you need, or more flexibility with your loan repayments, chat to us today.

Learn more


Managing your home loan repayments

Making & changing repayments

There are many ways you can make payments towards your loan, even ways to pay off your loan sooner. Check out our repayment calculators and tips that could save you money.

Redraw your extra repayments

If you have been making extra repayments towards your loan, you may be able to access these funds by redrawing.

Interest offset

Use the funds in an eligible transaction account to offset against your home loan. This could save you thousands in interest over the life of your loan.

Frequently Asked Questions

View all

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.

Find out more