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There’s no doubt about it, refinancing is a big decision and even though you’ve been through the process of getting a mortgage before, it can still seem daunting and complicated. That’s where IMB can help.

Whether you’re upgrading, down-sizing or simply looking for a better deal on your home loan an IMB Home Loan Specialist can help smooth the way.

Whatever your reason for refinancing your home loan, you want the process to be as easy as possible. An IMB Home Loan Specialist can help talk you through the many benefits for refinancing your home loan including:

  • Saving money on your current repayments
  • Paying off your loan sooner
  • Adding flexibility via additional features like flexible payment options and free redraw
  • Consolidating your debts for one easy monthly repayment

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

Accelerator Home Loan

The IMB Accelerator Home Loan provides you everything you need to pay off your home loan faster. Special discounted rate for the first two years3, no monthly account keeping fees, 100% offset4 and unrestricted additional repayments.


3.74% pa Variable Interest Rate1

3.68% pa Comparison Rate2

For new owner occupier loans with P&I repayments <95% 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.

2.84% pa 2 Year Fixed Rate1

3.53% pa Comparison Rate2

For new owner occupier loans with P&I repayments

Save on your home loan with IMB’s low rate Budget Home Loan. You'll get a discount off the standard variable rate for the life of the loan, no monthly fees, unrestricted additional repayments and free Internet and Mobile Banking redraw.

3.31% pa Variable Interest Rate1

3.37% pa Comparison Rate2

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


Lending criteria, terms and conditions, fees and charges apply for IMB Home Loans. Full terms and conditions are available upon request from any IMB branch or by calling 133 463, 8:00am to 8:00pm Mon-Fri, or 9:00am to 4:00pm Saturday. 1. These interest rates apply to owner occupier home loans with principal and interest (P&I) repayments and up to the loan to property value ratio (LVR) limits specified above. Interest rates are for new funds only and not available for refinance of existing IMB loans. Fixed interest rates are indicative and may vary on settlement. All fixed loans convert to a discount off the standard variable rate at the end of the fixed term. 2. These comparison rates are based on a $150,000 secured home loan over 25 years. WARNING: These comparison rates are 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. 3. After two years loan converts to a 1.50% discount off the standard variable rate. 4. 100% offset facility is available on the IMB Everyday and IMB Everyday Unlimited Accounts. Please consider the PDS available from IMB before making a decision about IMB deposit products.

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Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 139 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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