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Interest rates shown are for investment loans on principal and interest repayments. Interest Only rates are available here.

Variable Rates ≤80% LVR

Home Loan Interest Rate Comparision Rate2  
Standard Variable Home Loan 5.76% pa 5.81% pa

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Essentials Home Loan1 4.29% pa 4.34% pa Enquire now
Investment Loan P&I (No longer available for new business) 4.19% pa 4.26% pa  

Fixed Rate Home Loans - Principal & Interest ≤80% LVR

Term Interest Rate Comparision Rate2  
1 Year 4.54% pa 5.47% pa

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3 Year 4.45% pa 5.29% pa Enquire now
5 Year 4.79% pa 5.28% pa Enquire now

Platinum Package Home Loans - Principal & Interest ≤80% LVR

Variable Rate

Loan Amount Interest Rate Comparision Rate2  
$150,000 + 4.59% pa 4.98% pa

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$500,000 + 4.49% pa 4.89% pa Enquire now

Fixed Rate

Term Interest Rate Comparision Rate2  
1 Year 4.44% pa 5.28% pa

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3 Year 4.35% pa 5.11% pa Enquire now
5 Year 4.69% pa 5.12% pa Enquire now

Equity Line (Interest Only)

Term Interest Rate Comparision Rate2  
Equity Line Advantage 5.39% pa N/A

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Platinum Package Equity Line 4.99% pa N/A Enquire now

Standard Variable Reference Rates

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Rates Effective 20 March 2018. 1. 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 inclusive of any insurance components added to the loan. Lending criteria terms and conditions, fees and charges apply to IMB home loans. 2. 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. 3. Interest rates for variable rate home loans under the Platinum Package are based on 'total package borrowing' at the time the loan is taken out. 'Total package borrowing' is the total of the balances on your home loan accounts under the Platinum Package and credit limit of any Package Equity Line. Any additional repayments that you make will reduce your total package borrowing. Package Equity Line available when variable or fixed rate portion of package is a minimum of $75,000. 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.

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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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