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IMB Home Loans

Compare home loans from a lender with 180,000 members

Last updated: 22 May 2019

On this page you can find information about IMB home loans. Skip ahead to the full table of products or read more about the lender.

IMB's lowest rate for...

Home buyers. The IMB Fixed Rate Home Loan - 2 Year Fixed (LVR < 90% Owner Occupier, P&I, NSW and ACT borrowers only) has a 2.99% p.a. interest rate and lets you borrow up to 90%.
Investors. IMB Fixed Rate Home Loan - 3 Years Fixed (LVR ≤90% Investor, P&I, NSW and ACT borrowers only) has a 3.49% p.a. interest rate and lets you borrow up to 90%.

Compare IMB home loans

Compare IMB home loan products below and hit "load more" to see a fuller selection of loans. "Go to site" will direct you to IMB's website for the product you selected.

Rates last updated August 23rd, 2019

Loan purpose

Offset account

Show all Yes No

Loan type

Show all Fixed Variable

Repayment type

Show all Principal & Interest Interest only

Name	Interest Rate (p.a.)	Comp Rate^ (p.a.)	Application Fee	Ongoing Fees	Max LVR	Short Description
IMB Fixed Rate Home Loan - 2 Year Fixed (LVR ≤ 90% Owner Occupier, P&I, NSW and ACT borrowers only)	2.99%	3.55%	$449	$6 monthly ($72 p.a.)	90%	NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online.	Enquire now More info	Compare	loading Fetching your data...
IMB Fixed Rate Home Loan - 3 Years Fixed (LVR ≤90% Investor, P&I, NSW and ACT borrowers only)	3.49%	4.06%	$449	$6 monthly ($72 p.a.)	90%	NSW and ACT customers only. A 3 years fixed rate investor which allows extra repayments to be made.	Enquire now More info	Compare	loading Fetching your data...
IMB Budget Home Loan - Special LVR <=90% (Owner Occupier, P&I, NSW and ACT borrowers only)	3.31%	3.37%	$449	$0 p.a.	90%	NSW and ACT customers only. Get a special discount for a limited time when you open an IMB Transaction Account.	Enquire now More info	Compare	loading Fetching your data...
IMB Fixed Rate Home Loan - 3 Year Fixed (LVR ≤ 90% Owner Occupier, P&I, NSW and ACT borrowers only)	2.99%	3.51%	$449	$6 monthly ($72 p.a.)	90%	NSW and ACT customers only. 3 years fixed interest terms and free access to redraw facility online.	Enquire now More info	Compare	loading Fetching your data...
IMB Fixed Rate Home Loan - 1 Year Fixed (LVR ≤ 90% Owner Occupier, P&I, NSW and ACT borrowers only)	2.99%	3.60%	$449	$6 monthly ($72 p.a.)	90%	Lock in a rate for one year and get the ability to make additional repayments for 12 months without penalty. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Essentials Home Loan - $75,000+ LVR < 90% (Owner Occupier, P&I, NSW and ACT borrowers only)	3.41%	3.54%	$0	$10 monthly ($120 p.a.)	90%	A variable rate loan with a 100% offset account. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Fixed Rate Home Loan - 2 Year Fixed (LVR > 90% Owner Occupier, P&I, NSW and ACT borrowers only)	2.99%	3.55%	$449	$6 monthly ($72 p.a.)	95%	A 2 years fixed with the competitive features. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Accelerator Home Loan - LVR <=95% $75k+ (Owner Occupier, NSW and ACT borrowers only)	3.74%	3.68%	$449	$0 p.a.	95%	A two year discounted rate which reverts to an ongoing life of loan discount afterwards. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Introductory Variable Rate Home Loan (LVR > 90% Owner Occupier, NSW and ACT borrowers only)	4.09%	3.70%	$449	$10 monthly ($120 p.a.)	90%	A discounted interest rate for the first 12 months, unrestricted additional repayments and free online redraws. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Fixed Rate Home Loan - 1 Year Fixed (LVR ≤90% Investor, P&I, NSW and ACT borrowers only)	3.49%	4.16%	$449	$6 monthly ($72 p.a.)	90%	A 1 year fixed investor loan with a maximum insured LVR 90%. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Fixed Rate Home Loan - 1 Year Fixed (LVR ≤90% Investor, IO, NSW and ACT borrowers only)	3.79%	4.19%	$449	$6 monthly ($72 p.a.)	90%	A fixed rate interest-only investment loan that requires a 30% deposit. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Equity Line Advantage Home Loan (NSW and ACT borrowers only)	5.29%		$449	$0 p.a.	90%	With $0 ongoing fees and fee free extra repayments you can pay your loan off sooner. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Standard Variable Home Loan - LVR <= 90% (Investor, P&I, NSW and ACT borrowers only)	5.66%	5.72%	$449	$0 p.a.	90%	A standard variable home loan with minimum loan amount of $10000 and no ongoing fee. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...
IMB Reverse Mortgage (NSW and ACT borrowers only)	5.95%	5.99%	$495	$0 p.a.	50%	NSW and ACT customers only. A low fee reverse mortgage for homeowners over the age of 70.	Enquire now More info	Compare	loading Fetching your data...
IMB Standard Variable Home Loan - LVR ≤90% (Investor, IO, NSW and ACT borrowers only)	5.96%	5.85%	$449	$0 p.a.	90%	A competitive rate with 100% offset account and pay no ongoing fee. Face-to-face consultations available for NSW and ACT customers.	Enquire now More info	Compare	loading Fetching your data...

Compare up to 4 providers

IMB lender profile

Founded in 1880, IMB offers face-to-face and electronic banking services including home and personal loans, savings and transaction accounts, term deposits, business banking, financial planning and a wide range of insurance products.
IMB offers a large selection of home loans to its customers. These loans are available for first-home buyers, as well as those looking to upgrade, refinance or renovate.
The simple online application process takes minutes and removes some of the stress out of finding the right home loan.

IMB mortgage features

IMB offers competitive fixed and variable rate mortgages for owner occupiers and investors.

Feature	Details
Deposit size	Most IMB home loans let you borrow 90% of your property's value.
Bridging finance	IMB offers a bridging loan product for people looking to cover the funding gap between selling and buying homes.
Redraw	Most IMB products allow you to redraw extra repayments from your mortgage.
Offset account	Several IMB home loans come with a 100% offset account, including the IMB Essentials home loan.

How do I apply for a IMB mortgage?

Clicking "Go to Site" on IMB's comparison table will start your application process and redirect you through to IMB's website.

Eligibility

Each IMB product have specific eligibility criteria but some will apply to all products. For example:

Age. You must be over 18 years of age.
Residency. You should be a resident of Australia.
Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with IMB you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

Identification documents. You will need identification such as a driver's license, passport or birth certificate.
Proof of income documents. Recent payslips can establish your income.
Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

Online lenders. Compare more mortgages from online lenders.
Big Four banks. Check out home loan rates from Australia's Big Four banks.
Investors. Compare loans for property investors.
Mortgage brokers. Find out how to get free, expert guidance from a mortgage broker.

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Richard Whitten

Richard Whitten is Finder's home loans writer. He helps Australians understand the ins and outs of mortgages so they can find lower rates and make smarter property decisions. Richard trained as a high school English teacher at the University of Sydney, but found that mortgage management was more rewarding than classroom management. Before working at Finder he lived in Seoul, where he edited textbooks and ran communication courses for Korean corporations.

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