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Budget Home Loan (Principal and Interest) (New Customer) (NSW and ACT only)

For any query, Call: 1300 001 153
SpecialSpecial discounted rate for new owner occupier, principal and interest loans of $75k+. IMB transaction account must be opened with this loan.
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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • Extra low interest rate for refinancers
  • Extra low interest rate for new customers
  • No upfront or ongoing fees
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Repayments may increase if RBA raises rates

Fees and Features

Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$75k - $100m
Total repayments
Total repayments
$562,788
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$0
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$220
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
90%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$75k - $100m
Total repayments
Total repayments
$562,788
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$0
Application fee
Application fee
$0
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$220
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Other Restrictions
IMB Transaction Account must be opened with the loan

Compare and review home loans with similar features

Loan Profile
Advertised rate
Advertised rate
3.59%
Variable
Advertised rate
3.60%
Variable
Advertised rate
3.88%
Variable
Advertised rate
3.88%
Variable
Comparison rate*
Comparison rate*
3.61%
Comparison rate*
3.64%
Comparison rate*
3.89%
Comparison rate*
3.89%
Monthly repayment
Monthly repayment
$1,689
Monthly repayment
$1,690
Monthly repayment
$1,745
Monthly repayment
$1,745
Total repayments
Total repayments
$547,236
Total repayments
$547,560
Total repayments
$565,380
Total repayments
$565,380
Minimum deposit %
Minimum deposit %
10%
Minimum deposit %
5%
Minimum deposit %
5%
Minimum deposit %
10%
Loan term
Loan term
1 - 30 years
Loan term
10 - 30 years
Loan term
1 - 30 years
Loan term
15 - 30 years
Loan Fees
Estimated upfront fees
Estimated upfront fees
$150.00
Estimated upfront fees
$607.00
Estimated upfront fees
$100.00
Estimated upfront fees
$0
Legal fee
Legal fee
$0
Legal fee
$365
Legal fee
$0
Legal fee
$0
Valuation fee
Valuation fee
$0
Valuation fee
$242
Valuation fee
$0
Valuation fee
$0
Settlement fee
Settlement fee
$150
Settlement fee
$0
Settlement fee
$100
Settlement fee
$0
Discharge fee
Discharge fee
$300
Discharge fee
$250
Discharge fee
$350
Discharge fee
$300
Repayments Redraws
Offset account
Offset account
Offset account
Offset account
Offset account
100% offset account
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The RateCity team is here to help

Questions? We’re only a call away.

Call us now
1300 001 153
Office hours: Monday – Friday | 9am – 6pm

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.

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