Home Loan Comparison

	Budget	Essentials	Standard Variable	Fixed Rate
Owner Occupied
Investment
Key Fees1
Application Fee	$449	Nil (Owner Occupied) $449 (Investment)	$449	$449
Monthly service fee	Nil	$10	Nil	$6
Summary key features
Maximum LVR2	95%	95%	95%	95%
Interest Only3
Redraw Facility4
Extra payments5
100% Offset6

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Important Information:

Information current as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply. Minimum total loan exposure $75,000. Eligibility criteria must be met to apply online. Split loan options not available in online applications. You should consider the relevant Terms and Conditions or Product Disclosure Statement (PDS) before deciding whether to acquire any IMB products or facilities. Target Market Determinations available here.

 1. Fees quoted are for new applications only. Application fee includes one valuation. Valuation costs over & above single/primary security are to be covered by the borrower. Other fees and charges apply.

2. Maximum allowed varies depending on state, occupancy, loan amount and security type.

3. The Interest Only period is subject to approval available for up to 5 years, cumulative over the term of the loan. The 5 years Interest Only period can be broken down into separate Interest Only periods at any time during the loan term.

4 Minimum redraw is $500. Redraw free via IMB Internet otherwise a $50 fee per redraw via IMB Branch or IMB DIRECT applies.

5. Up to 12 months in advance without penalties on fixed rate loans. Unrestricted on variable component.

6. 100% offset facility is available on the IMB Everyday and Everyday Unlimited products. Please consider the PDS available from IMB before making a decision about IMB deposit products.