NAB, IMB, and Regional Australia Bank among those slashing mortgage rates
With a potential RBA rate cut on the horizon, these lenders appear to be moving early - ad...
07 Feb, 2025
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
5.29% p.a. | 5.69% p.a. | $2,773 | Principal & Interest | Fixed | $6 | $799 | 80% | |||||||||||||
5.29% p.a. | 5.69% p.a. | $2,773 | Principal & Interest | Fixed | $6 | $799 | 95% | |||||||||||||
5.29% p.a. | 5.69% p.a. | $2,773 | Principal & Interest | Fixed | $6 | $799 | 95% | |||||||||||||
5.29% p.a. | 5.72% p.a. | $2,773 | Principal & Interest | Fixed | $6 | $799 | 95% | |||||||||||||
5.29% p.a. | 5.72% p.a. | $2,773 | Principal & Interest | Fixed | $6 | $799 | 80% | |||||||||||||
5.49% p.a. | 5.96% p.a. | $2,836 | Principal & Interest | Fixed | $6 | $799 | 80% | |||||||||||||
5.49% p.a. | 6.00% p.a. | $2,836 | Principal & Interest | Fixed | $6 | $799 | 80% | |||||||||||||
5.54% p.a. | 5.57% p.a. | $2,852 | Principal & Interest | Variable | $0 | $799 | 70% |
Important Information and Comparison Rate Warning
What you need to know about IMB Bank home loans
IMB Bank is a member-owned mutual bank that's been helping Australians reach their financial goals since 1880. Headquartered in Wollongong, it blends regional roots with nationwide digital banking, offering an array of home loan options backed by a strong community focus.
You might find IMB Bank a good fit if you:
- Want a member-owned alternative to the big banks
As a mutual, IMB is owned by its members – not external shareholders – which means profits are reinvested to improve products, rates and service. - Like dealing with a lender in branch
IMB maintains an extensive branch network across the Illawarra region, Sydney, NSW's South Coast, the ACT, and Melbourne, giving you face-to-face support as well as online and mobile banking. - Want competitive interest rates
IMB commonly offers below-average home loan interest rates. - Need flexible money-saving features
Many of IMB's mortgages come with 100% offset accounts and free online redraw, while products like its Budget Home Loan allow unlimited extra repayments without monthly fees. - Plan to buy with a small deposit or family help
IMB is a participating lender in the federal Home Guarantee Scheme, and it also offers a Family Guarantee option that can let you borrow more than 80% of a property's value while avoiding or reducing Lenders Mortgage Insurance (LMI). - Prefer a quick, digital application process
Many IMB home loans offer an easy online application that lets you get started anywhere, anytime. - Value sustainability commitments
IMB has achieved Climate Active carbon-neutral certification and has joined the Partnership for Carbon Accounting Financials, signalling an ongoing plan to monitor and reduce financed emissions. - Want a bank that gives back to the community
Through the IMB Bank Community Foundation, the lender has donated more than $12 million to over 1,000 grassroots projects since 1999, supporting everything from surf-life-saving clubs to youth mental-health programs.
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