IMB Bank home loans
Since 1880, IMB has been helping Australians reach their financial goals by providing them with access to banking, home and personal loans, financial planning and a wide range of financial products and services. IMB bank has a large community focus and works actively with local communities to provide financial support for projects. Over the years, IMB has grown its branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
Personal Finance Editor
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Product data updated
Why choose IMB Bank
IMB Bank Home Loans
Loan amount
Minimum deposit
Loan type & Term
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9.53%
9.60%
$3,065
Australian Credit Licence 237391
Fees & charges apply
Standard Variable Rate Home Loan
- Cashback
- Investor
- Variable
- 10% min deposit
- P&I
6.34%
6.40%
$2,328
Australian Credit Licence 237391
Fees & charges apply
Budget Home Loan
- Cashback
- Owner Occupied
- Variable
- 10% min deposit
- P&I
6.04%
6.07%
$2,264
Australian Credit Licence 237391
Fees & charges apply
Budget Home Loan
- 2024 Award Winner
- Cashback
- Owner Occupied
- Variable
- 30% min deposit
- P&I
6.04%
6.07%
$2,264
Australian Credit Licence 237391
Fees & charges apply
Budget Home Loan
- 2024 Award Winner
- Cashback
- Owner Occupied
- Variable
- 20% min deposit
- P&I
5.69%
6.23%
$2,189
Australian Credit Licence 237391
Fees & charges apply
Fixed Rate Home Loan
- Cashback
- Owner Occupied
- Fixed 3 years
- 20% min deposit
- P&I
5.69%
6.23%
$2,189
Australian Credit Licence 237391
Fees & charges apply
Fixed Rate Home Loan
- Cashback
- Owner Occupied
- Fixed 3 years
- 5% min deposit
- P&I
5.89%
6.23%
$2,232
Australian Credit Licence 237391
Fees & charges apply
Fixed Rate Home Loan
- Cashback
- Owner Occupied
- Fixed 5 years
- 20% min deposit
- P&I
5.89%
6.23%
$2,232
Australian Credit Licence 237391
Fees & charges apply
Fixed Rate Home Loan
- Cashback
- Owner Occupied
- Fixed 5 years
- 5% min deposit
- P&I
6.34%
6.23%
$1,849
Australian Credit Licence 237391
Fees & charges apply
Budget Home Loan
- Cashback
- Owner Occupied
- Variable
- 30% min deposit
- Interest Only
6.34%
6.23%
$1,849
Australian Credit Licence 237391
Fees & charges apply
Budget Home Loan
- Cashback
- Owner Occupied
- Variable
- 20% min deposit
- Interest Only
5.89%
6.26%
$2,232
Australian Credit Licence 237391
Fees & charges apply
Fixed Rate Home Loan
- Cashback
- Owner Occupied
- Fixed 4 years
- 5% min deposit
- P&I
5.89%
6.26%
$2,232
Australian Credit Licence 237391
Fees & charges apply
Fixed Rate Home Loan
- Cashback
- Owner Occupied
- Fixed 4 years
- 20% min deposit
- P&I
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated mortgage repayments
Total interest
$0
Total repayments
$0
- All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
- The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
- At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
- The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
- One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
- The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
- After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.
Contact a mortgage broker
IMB Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.
Debra Mills
Get expert advice from a home loans specialist.
Debra loves working with people in achieving their dreams! She is committed to responding promptly to client inquiries ...
IMB Bank customer service
IMB home loan customers can contact the bank via the customer support contact centre six days a week. Alternatively, home loan customers who prefer face-to-face banking can pop into a branch or book an appointment with an IMB mobile lender through the website. Customers also have the option of emailing their enquiry through an online contact form.
✓ Customer service centre (phone)
✓ Mobile app
✓ Online banking
✓ Branch
✓ Online Chat
✓ Mobile banking staff
How to Apply
IMB provides potential customers with multiple ways of applying for a home loan. This includes filling out an online application form, calling an IMB Loan Specialist or applying in person at an IMB Branch if you’re in NSW. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:
- Proof of identification.
- Proof of income – whether you are self-employed or work for an employer.
- Information regarding your current debts, liabilities and assets.
- Information relating to the property you are buying including a contract of sale.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.