IMB Bank home loans

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Standard Variable Rate Home Loan

Real Time Rating™
Investor
10% min deposit
P&I
Offset Account

Cashback

$3,000 cashback for loans $250,000 and above with a maximum LVR of 80%. T&Cs apply.
Interest Rate

9.53%

p.a

Variable

Comparison Rate*

9.60%

p.a

Promoted

Budget Home Loan

Real Time Rating™
Owner Occupied
10% min deposit
P&I
Extra repayments

Cashback

$3,000 cashback for loans $250,000 and above with a maximum LVR of 80%. T&Cs apply.
Interest Rate

6.39%

p.a

Variable

Comparison Rate*

6.45%

p.a

Promoted

Budget Home Loan

Real Time Rating™
Owner Occupied
30% min deposit
P&I
Extra repayments

Cashback

$3,000 cashback for loans $250,000 and above with a maximum LVR of 80%. T&Cs apply.
Interest Rate

6.09%

p.a

Variable

Comparison Rate*

6.12%

p.a

Promoted

Fixed Rate Home Loan

Real Time Rating™
Owner Occupied
10% min deposit
Interest Only
Extra repayments

Cashback

$3,000 cashback for loans $250,000 and above with a maximum LVR of 80%. T&Cs apply.
Interest Rate

6.24%

p.a

Fixed - 3 years

Comparison Rate*

6.21%

p.a

IMB Bank personal loans

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Secured Personal Loan

Real Time Rating™
1 to 7 years
Secured
Fixed Rate
No ongoing fees
Interest Rate

6.59%

p.a

Fixed

Comparison Rate*

6.94%

p.a

Fixed

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Unsecured Personal Loan

Real Time Rating™
1 to 7 years
Unsecured
Fixed Rate
No ongoing fees
Interest Rate

8.98%

p.a

Fixed

Comparison Rate*

10.72%

p.a

Fixed

Promoted

Personal Line of Credit

Real Time Rating™
0 to 10 years
Unsecured
Variable Rate
No ongoing fees
Interest Rate

13.85%

p.a

Variable

Comparison Rate*

13.85%

p.a

Variable

IMB Bank car loans

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New Car Loan

Gold Award Winner 2023

Real Time Rating™
$2k to $125k
1 to 7 years
Fixed Rate
Secured
Interest Rate

5.99%

p.a

Fixed

Comparison Rate*

6.34%

p.a

Fixed

IMB Bank savings accounts

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Zoo Account

Real Time Rating™
Bonus interest with conditions
App banking
Online banking

*Deposit at least $10 a month and make no withdrawals

Maximum rate

4.00%*

p.a

Base rate

0.10%

p.a

Promoted

Wisdom Saver

Real Time Rating™
App banking
Online banking
Maximum rate

1.65%

p.a

Base rate

1.65%

p.a

Promoted

Reward Saver

Real Time Rating™
Bonus interest with conditions
Intro offer rate
App banking
Online banking

*To earn bonus interest the account holder must make a minimum $50 deposit and no withdrawals per month. If bonus interest criteria are not met for the calendar month, both the Standard Variable Bonus Interest and Introductory Fixed Bonus Interest Rate are forfeited.

Maximum rate

5.25%

p.a

Base rate

Not Applicable

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Reward Saver Kick Start

Real Time Rating™
Bonus interest with conditions
App banking
Online banking

*To earn the 3.9% bonus rate, deposit at least $20 a month and make no withdrawals. To be eligible for the 1.15% Kick Start Bonus Interest Rate, the account holder must be aged under 18 years old or until 31/03/2022, the account holder must be Students, apprentices and trainees aged under 30.

Maximum rate

5.25%*

p.a

Base rate

Not Applicable

IMB Bank bank accounts

Promoted

Everyday Unlimited Kick Start Account

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card

*Fees waived when deposit $2,000 Monthly

Account Keeping Fees
ATM Fee

$0

Over 3,000 Westpac Group ATMs

Debit Card Type

Visa

Maximum Interest rate

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Everyday Unlimited

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card

*Fees waived when deposit $2,000 Monthly

Account Keeping Fees
ATM Fee

$0

Over 3,000 Westpac Group ATMs

Debit Card Type

Visa

Maximum Interest rate

Promoted

Everyday Account

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card
Account Keeping Fees
ATM Fee

$1

Over 3,000 Westpac Group ATMs

Debit Card Type

Visa

Maximum Interest rate

0.01%

IMB Bank term deposits

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Term Deposit Special

Real Time Rating™
3 months
Automatic maturity rollover
Joint application available
Interest rate

4.20%

p.a

for 3 months

Min. deposit

$5,000

Next rate increased

4.60%

p.a

for 6 months

Max rate

5.00%

p.a

for 12 months

Promoted

Term Deposit

Real Time Rating™
5 months
Automatic maturity rollover
Joint application available
Interest rate

1.25%

p.a

for 5 months

Min. deposit

$1,000

Next rate increased

1.25%

p.a

for 3 months

Max rate

2.00%

p.a

for 7 months

IMB Bank home insurance

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Home & Contents

Flexible excess
24 hours claim lodgement
Combined policy discount
Policy type

Home and Contents

Combined policy discount

IMB Bank reverse mortgages

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Reverse Mortgage

For homeowners aged 70 or over

Flexible uses for money

    More Details

IMB Bank reverse mortgages

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Aged Care Loan

For homeowners aged 65 or over

Can be used for any worthwhile purpose

    More Details