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Features
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Other
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Variable
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  • $2000 Cashback offer when you switch your eligible home loan to IMB Bank*
  • *T&Cs & lending criteria apply

Budget Home Loan (Principal and Interest) (LVR < 70%)

  • $2000 Cashback offer when you switch your eligible home loan to IMB Bank*
  • *T&Cs & lending criteria apply
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Variable
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Budget Home Loan (Principal and Interest) (LVR 70%-80%)

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    Variable
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    Essentials Home Loan (Principal and Interest) (LVR ≤ 80%)

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      Variable
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      Essentials Investment Loan (Principal and Interest) (LVR < 80%)

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        • Immediate cashback upon settlement
        • $2000 for loans up to $700,000
        • $4000 for loans over $700,000

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        Important Information and Comparison Rate Warning

        Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of December 4, 2023.

        Since its establishment in 1880, IMB Bank has been helping people achieve their financial goals. Since then, it has worked to strengthen its community ties and now prides itself on its active community involvement. It recognises that its responsibilities extend to its impact on the environment and the communities in which it serves. Since 1999, the IMB Community Foundation has offered funding support back to the community.

        IMB also supports a variety of charity, community and sporting organisations and events including provision of marquees for use by sporting clubs, schools, charities and other community groups within the regions it serves.

        IMB has a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. It has 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 its locally based call centre.

        IMB is regulated by the Australian Prudential Regulation Authority and is a member of the Customer Owned Banking Association, an independent organisation representing mutual banks, building societies and credit unions. It has around 190,000 members and assets of $5.7 billion.

        IMB is proud to offer a wide range of competitive products including low cost home loans, high interest investment options, and transaction and savings accounts to meet your everyday needs and budget. A number of its products are awarded the top rating by independent reviewers so you can be confident that you are getting a great deal. It also arranges credit cards, debit cards, insurances, financial planning, business banking and much more to ensure all your financial needs are covered.

        If you want to apply for a home loan with IMB, you will need to complete an online application form. As with any home loan application, you will need to provide the following:

        • Identification – passport or driver’s licence
        • Details of your income including rental income, government income, shares, superannuation and self-employed or trust income
        • Details of your assets including properties, existing investments and bank accounts
        • Details of any financial liabilities including existing loans, credit cards and store cards
        • Information relating to the property you are buying, including a contract of sale

        If you need assistance at any stage of the process, you can contact an IMB Bank loan specialist who can assist you in completing the application over the phone.

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