Interest rates shown are for new investment loans on principal and interest repayments. Interest Only rates are available here.
Our variable rates have a discount margin off our standard variable rate for the life of the loan. The discount will be the discount available at the time a loan contract is issued and may be different to the current discount in the interest rates shown.
Variable Rates ≤80% LVR
| Home Loan |
Interest Rate with current discount margin |
Comparision Rate1 | ||
|---|---|---|---|---|
| Budget Home Loan | 6.29% pa | 6.35% pa | ||
| Essentials Home Loan | 6.39% pa | 6.56% pa |
Variable Rates ≤90% LVR
| Home Loan |
Interest Rate with current discount margin |
Comparision Rate1 | ||
|---|---|---|---|---|
| Budget Home Loan | 6.44% pa | 6.50% pa | ||
| Standard Variable Home Loan | 9.53% pa | 9.60% pa | ||
| Essentials Home Loan | 6.68% pa | 6.85% pa | Apply |
Fixed Rate Home Loans - Principal & Interest ≤90% LVR
| Term | Interest Rate | Comparision Rate1 | ||
|---|---|---|---|---|
| 1 Year | 6.39% pa | 6.92% pa | ||
| 3 Year | 6.09% pa | 6.75% pa | Apply | |
| 5 Year | 6.24% pa | 6.70% pa | Apply |
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Rates Effective 1 December 2023. These interest rates apply to new investment home loans with principal and interest repayments. Different interest rates apply to interest only and owner occupier home loans. Not all rates are available as a switch from another home loan option. Maximum loan to value ratio (LVR) is exclusive of any insurance components added to the loan. Lending criteria terms and conditions, fees and charges apply to IMB home loans. 1. 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 a different comparison rate. Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. 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.
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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