Owner Occupier Home Loans

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Interest rates shown are for new owner occupied loans on principal and interest repayments. Interest Only rates are available here

Variable Rate Home Loans - Principal & Interest ≤80% LVR

Home Loan	Interest Rate	Comparision Rate¹	Application Fee²	Monthly Fee²	Offset Account³
Budget Home Loan	2.68% pa	2.74% pa				Enquire

Variable Rate Home Loans - Principal & Interest ≤90% LVR

Home Loan	Interest Rate	Comparision Rate¹	Application Fee²	Monthly Fee²
Budget Home Loan	2.78% pa	2.84% pa	Nil	Nil	Enquire
Accelerator Home Loan²	3.36% pa	3.30% pa	Nil	Nil	Enquire
Essentials Home Loan	2.98% pa	3.12% pa	Nil	Nil	Enquire
Introductory Variable Home Loan³	3.71% pa	3.32% pa	$445	$10	Enquire
Standard Variable Home Loan	4.71% pa	4.77% pa	$445	Nil	Enquire

Fixed Rate Home Loans - Principal & Interest ≤90% LVR

Term	Interest Rate	Comparision Rate¹	Application Fee²	Monthly Fee²
1 Year	2.49% pa	3.21% pa	$445	$6	Enquire
2 Year	2.49% pa	3.15% pa	$445	$6	Enquire
3 Year	2.49% pa	3.10% pa	$445	$6	Enquire
4 Year	2.99% pa	3.21% pa	$445	$6	Enquire
5 Year	2.99% pa	3.20% pa	$445	$6	Enquire

Home Loan Reference Rates

Enquire Now Visit a Branch Call 133 462

Rates Effective 28 May 2020 . These interest rates apply to new owner occupier home loans with principal and interest repayments. Different interest rates apply to interest only and investment home loans. Rates shown are for new funds only. Not all rates are available as a switch from another home loan option. Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 1. 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. 2. 24 months after settlement, loan converts to a 1.50% discount off the standard variable rate. 3. This loan is discounted for the first twelve (12) months before it converts to a 1.50% discount off the standard variable rate.
Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. Full loan terms and conditions are available upon request from any IMB branch or by calling 133 462, 8:00am to 8:00pm Mon-Fri, or 9:00am to 4:00pm Saturday.

Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 140 years. IMB offers a full range of banking solutions including home and personal lending, savings and transaction accounts, term deposits, business banking and can arrange financial planning, insurance and travel products.

IMB has a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you. IMB members enjoy access to free automated phone and internet banking and a team of professionals who are just a phone call away at our locally based call centre.

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