IMB Accelerator Home Loan


The IMB Accelerator Home Loan offers a relatively low variable rate to borrowers planning to live in their property. As the name suggests, the loan is complimented by a full suite of features that can assist a borrower in fast tracking the length of their loan.

The loan has a discounted interest rate that lasts for the first two years of the loan which then reverts to a rate that is still discounted compared with the standard variable rate offered by IMB.

The Accelerator Home Loan also includes a 100 per cent offset account and allows unlimited extra lump sum repayments to be made over the life of the loan. These extra repayments can be withdrawn when necessary with no extra cost to the borrower.

An interest only variation of the loan is available and the mortgage can also be split between a fixed and variable rate. Repayments can be structured according to the borrower’s preference in either a weekly, fortnightly or monthly cycle.

Who is the IMB Accelerator home loan good for?

The IMB Accelerator Home Loan is good for owner-occupier borrowers who foresee an increase in income in their future. By choosing a loan that has a low interest rate they will be able to use their spare money, and any subsequent extra income they earn, to make higher repayments on their loan at no extra cost.

As these repayments can be redrawn at any time for no fee this loan is also suitable for borrowers who want to build equity into their home that can be accessed in the future should they need it.

Review - What RateCity says

The IMB Accelerator Home Loan has advantages for owner-occupier borrowers in the features it provides but should be considered closely by potential customers. It is crucial to look at the comparison rate of the loan as this reflects more accurately the future cost of the loan once the two-year introductory period is finished and when fees are factored in.

Potential borrowers will have to also consider if they will be able to meet the deposit requirement of the loan in order to qualify for the discounted rates on offer.

IMB Accelerator Home Loan Options

Below are the options available for owner-occupier borrowers looking at the Accelerator Home Loan:

1 - 1 of 1
Advertised rate
Comparison rate*
Monthly repayment
Go To Site
Enquire Now

More details

Variable Rates from


Advertised rate


Comparison rate
  • Competitive interest rate.
  • 100 per cent offset account.
  • Flexible repayment structure.
  • Rate reverts to higher amount after two years.
  • Upfront fee charged.
  • Ongoing monthly fee.

Must meet minimum deposit requirement.

Must be planning to occupy the property.

Suitable For
  • First Home Buyers
  • Owner-Occupiers
  • Refinancers
  • Estimated upfront fees: $799.00
  • Discharge fees: $350
  • Ongoing fees: $0

The IMB Accelerator Home Loan charges an upfront fee to cover administration costs related to establishing the loan. Following this initial cost there are no monthly account keeping fees charged and there is a minimal discharge fee payable at the conclusion of the loan. There is no fee for accessing the redraw facility on this loan at any time.    

  • Redraw facility
  • 100% offset account
  • Unlimited extra repayments
  • Monthly repayments
  • Loan allows split interest rate
About IMB Bank

IMB was established in 1880 and offers a full range of banking products including mortgages, term deposits and transaction accounts. Customers of IMB are able to contact the bank via a locally based call centre or by visiting a branch in NSW, VIC or the ACT. 

Compare your product with the big 4 banks, or add more products to compare
As seen on