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Interest rates shown are for new owner occupied loans on principal and interest repayments. Interest Only rates are available here

 

Variable Rate Home Loans - Principal & Interest ≤70% LVR

Home Loan Interest Rate Comparision Rate1    
Budget Home Loan 2.24% pa 2.30% pa

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Essentials Home Loan 2.43% pa 2.57% pa

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Variable Rate Home Loans - Principal & Interest >70% ≤90% LVR

Home Loan Interest Rate Comparision Rate1    
Budget Home Loan 2.43% pa 2.49% pa

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Essentials Home Loan 2.53% pa 2.67% pa

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Variable Rate Home Loans - Principal & Interest ≤95% LVR

Home Loan Interest Rate Comparision Rate1    
Budget Home Loan 2.68% pa 2.74% pa

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Essentials Home Loan 2.69% pa 2.83% pa

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Standard Variable Home Loan 4.71% pa 4.77% pa

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Fixed Rate Home Loans - Principal & Interest ≤95% LVR

Term Interest Rate Comparision Rate1    
1 Year 2.19% pa 2.98% pa

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2 Year 2.07% pa 2.90% pa

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3 Year 2.17% pa 2.86% pa

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4 Year 2.69% pa 2.97% pa

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5 Year 2.69% pa 2.95% pa

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Home Loan Reference Rates

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Rates Effective 17 November 2021. These interest rates apply to new owner occupier home loans with principal and interest repayments. Different interest rates apply to interest only and investment home loans. Rates shown are for new funds only. Not all rates are available as a switch from another home loan option. 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, 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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