Calculator Disclaimer
Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. IMB may not provide loans with the details indicated in the calculator. The specific details of your loan will be provided to you in your loan contract. It is advised that you consult your financial adviser before taking out a loan.
The comparison rate is based on a $150,000 secured loan for a term of twenty five (25) years for all home loans.WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
IMB loan repayments are based on a monthly minimum repayment amount. More frequent payments can be made subject to coverage of the monthly minimum amount. Speak to IMB about your options.
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Guides and tools Find out all you need to know about buying your first home. |
A home loan Find the home loan that will get you into your first home. |
Fast, easy application Applying is easy. Apply, upload documents and track progress anytime, anywhere on any device.
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How to get your first home loan in 4 simple steps
Understand the basics
Buying your first home is both daunting and incredibly exciting. Check out our step-by-step guides to take you from “I wish” to “I’m home”.
Compare home loans
Fixed rate or variable rate? What’s an offset account? Can I redraw on my home loan? Compare home loans, simple and easy.
Apply for a home loan
Book a time to speak with an IMB Bank home loan expert or apply for a home loan online.
Loan approved
Found your dream home or are shopping around? Get conditional approval# so you can buy with confidence.
How we can help you |
140 years of giving home loans
We have been helping people buy their first homes and achieve their financial goals since 1880.
We can come to you
Our mobile lenders are on standby ready to come to you to discuss how we can help get you into your first home. |
Dedicated local customer service
As a mutual bank, our members are our shareholders, and we strive to deliver them the best service, value and innovations.
Available anywhere in Australia
Wherever you are in Australia, our team of home loan specialists can help you get into your first home sooner. |
“I’ve been a member with IMB since my first job at Coles and have always loved the personal service,” says Megan Pracy. As newlyweds, she and husband Matthew (along with lots of help from daughter Valetta) worked with IMB to save their deposit, navigate their entitlements and secure their loan. “When an opportunity to buy our first home, I called Lauren Oakes.” Then Camden Branch Manager (and now Menai Branch Manager), Lauren had helped the couple’s preparation over the previous two years: setting up term deposits, helping them formulate a budget program to save their deposit, and steering them through NSW First Homebuyer’s Grant, Stamp Duty exemptions and mortgage insurance. It worked. When the contacts were produced, Megan and Matthew were ready. “The team at IMB have always been incredibly supportive,” says Megan. “We wouldn’t be in our home without them.” |
"We wouldn’t be in our home without IMB" Megan and Matthew from Camden |
IMB by numbers |
1880 The year we were established |
200,000 Members |
$10 million Given to over 700 community projects |
Talk to a home loan expert |
They will answer any of your questions and assess your situation. This can be at your local branch, on the phone or we can come to you. |
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Why choose us?
Established in 1880, IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years. Our members can access a fully featured range of services: home and personal lending, savings and transaction accounts, term deposits, business banking, and more.
Our renowned personal service is backed by innovation, providing convenient, secure digital banking options where and when you want it. IMB also has a growing retail branch network throughout NSW and Victoria, for when you need to speak to someone in person, and a team of professionals at our locally based contact centre. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you.
Find out moreWhenever, Wherever Banking
Availability of Payments ServicesLearn more about availability of payments services to individuals and businesses provided by IMB Bank. |