IMB Bank Home Loans

Since 1880, IMB has been helping Australians reach their financial goals by providing them with access to banking, home and personal loans, financial planning and a wide range of financial products and services. IMB bank has a large community focus and works actively with local communities to provide financial support for projects. Over the years, IMB has grown its branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.

Pros:
  • IMB have a wide variety of home loan products to suit most borrowers.
  • IMB loans have flexible options.
  • Loans can be packaged with other products.
  • Some loans offer discounts on interest rates.
Cons:
  • Some IMB loans are not available to refinancers and investors.
  • Some loans products include fees.
IMB Bank customer service:

IMB home loan customers can contact the bank via the customer support contact centre six days a week. Alternatively, home loan customers who prefer face-to-face banking can pop into a branch or book an appointment with an IMB mobile lender through the website. Customers also have the option of emailing their enquiry through an online contact form.

✓     Customer service centre (phone)

✓     Mobile app

✓     Online banking

✓     Email

✓     Branch

✓     Online Chat

✓     Mobile banking staff

IMB Bank home loans

Budget Home Loan Special (Principal and Interest) (NSW and ACT only)SpecialSpecial discounted rate for new owner occupier, principal and interest loans of $75k+. IMB transaction account must be opened with this loan.
Advertised rate
3.69%
Variable
Upfront fee
$0
Comparison rate*
3.69%
Ongoing fee
$0
Compare
Essentials Home Loan (Principal and Interest) (NSW and ACT only) (Amounts $300k+, LVR < 90%)
Advertised rate
3.97%
Variable
Upfront fee
$0
Comparison rate*
3.97%
Ongoing fee
$0
Compare
Budget Home Loan (Principal and Interest) (NSW and ACT only) (LVR < 90%)
Advertised rate
3.97%
Variable
Upfront fee
$769.00
Comparison rate*
4.02%
Ongoing fee
$0
Compare
Essentials Home Loan (Principal and Interest) (NSW and ACT only) (LVR < 90%)
Advertised rate
4.19%
Variable
Upfront fee
$0
Comparison rate*
4.19%
Ongoing fee
$0
Compare
Essentials Investment Loan (Principal and Interest) (NSW and ACT only) (LVR < 80%)
Advertised rate
4.29%
Variable
Upfront fee
$769.00
Comparison rate*
4.34%
Ongoing fee
$0
Compare
Essentials Home Loan (Principal and Interest) (NSW and ACT only) (LVR 90%-95%)
Advertised rate
4.41%
Variable
Upfront fee
$0
Comparison rate*
4.43%
Ongoing fee
$0
Compare
Budget Home Loan (Principal and Interest) (NSW and ACT only) (LVR 90%-95%)
Advertised rate
4.39%
Variable
Upfront fee
$769.00
Comparison rate*
4.44%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) (NSW and ACT only) 3 Years (LVR < 90%)
Advertised rate
3.89%
Fixed - 3 years
Upfront fee
$769.00
Comparison rate*
4.72%
Ongoing fee
$6 monthly
Compare
Fixed Rate Home Loan (Principal and Interest) (NSW and ACT only) 5 Years (LVR < 90%)
Advertised rate
4.29%
Fixed - 5 years
Upfront fee
$769.00
Comparison rate*
4.74%
Ongoing fee
$6 monthly
Compare
Fixed Rate Home Loan (Principal and Interest) (NSW and ACT only) 2 Years (LVR < 90%)
Advertised rate
3.75%
Fixed - 2 years
Upfront fee
$769.00
Comparison rate*
4.78%
Ongoing fee
$6 monthly
Compare
Fixed Rate Home Loan (Principal and Interest) (NSW and ACT only) 4 Years (LVR < 90%)
Advertised rate
4.39%
Fixed - 4 years
Upfront fee
$769.00
Comparison rate*
4.82%
Ongoing fee
$6 monthly
Compare
Fixed Rate Home Loan (Principal and Interest) (NSW and ACT only) 2 Years (LVR 90%-95%)
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$769.00
Comparison rate*
4.84%
Ongoing fee
$6 monthly
Compare
Fixed Rate Home Loan (Principal and Interest) (NSW and ACT only) 3 Years (LVR 90%-95%)
Advertised rate
4.44%
Fixed - 3 years
Upfront fee
$769.00
Comparison rate*
4.87%
Ongoing fee
$6 monthly
Compare
Fixed Rate Home Loan (Principal and Interest) (NSW and ACT only) 1 Year (LVR < 90%)
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$769.00
Comparison rate*
4.93%
Ongoing fee
$6 monthly
Compare
Fixed Rate Investment Loan (Principal and Interest) (NSW and ACT only) 3 Years (LVR < 80%)
Advertised rate
4.45%
Fixed - 3 years
Upfront fee
$769.00
Comparison rate*
5.29%
Ongoing fee
$6 monthly
Compare

How to Apply

IMB provides potential customers with multiple ways of applying for a home loan. This includes filling out an online application form, calling an IMB Loan Specialist or applying in person at an IMB Branch if you’re in NSW. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Proof of identification.
  • Proof of income – whether you are self-employed or work for an employer.
  • Information regarding your current debts, liabilities and assets.
  • Information relating to the property you are buying including a contract of sale.
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