IMB Bank Essentials Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan between $300,000 and $5,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $75,000 and $5,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $75,000 and $5,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $75,000 and $5,000,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $75,000 and $5,000,000 with an LVR below 85%

The details shown below are for an investor taking out a interest only loan between $75,000 and $5,000,000 with an LVR below 85%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $300,000 $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $75,000 $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $75,000 $5,000,000

  • Owner Occupier (Interest Only)

    LVR < 90%

    Loan: $75,000 $5,000,000

  • Investor (Principal & Interest)

    LVR < 85%

    Loan: $75,000 $5,000,000

  • Investor (Interest Only)

    LVR < 85%

    Loan: $75,000 $5,000,000

3.97% p.a.

3.97% p.a.

$0.00

IMB Bank Essentials Home Loan

3.97% p.a.

3.97% p.a.

$0.00

4.19% p.a.

4.20% p.a.

$0.00

IMB Bank Essentials Home Loan

4.19% p.a.

4.20% p.a.

$0.00

4.42% p.a.

4.45% p.a.

$0.00

IMB Bank Essentials Home Loan

4.42% p.a.

4.45% p.a.

$0.00

4.49% p.a.

4.50% p.a.

$0.00

IMB Bank Essentials Home Loan

4.49% p.a.

4.50% p.a.

$0.00

4.27% p.a.

4.33% p.a.

$0.00

IMB Bank Essentials Home Loan

4.27% p.a.

4.33% p.a.

$0.00

4.57% p.a.

4.63% p.a.

$0.00

IMB Bank Essentials Home Loan

4.57% p.a.

4.63% p.a.

$0.00

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 3.97% p.a.

  • n/a

  • 0 Months

  • none

  • 3.97% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • none

  • none

  • none

  • $0.00

  • $270.00

Other financial bits
  • $300,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.19% p.a.

  • n/a

  • 0 Months

  • none

  • 4.20% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • none

  • none

  • none

  • $0.00

  • $270.00

Other financial bits
  • $75,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.42% p.a.

  • n/a

  • 0 Months

  • none

  • 4.45% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $323.74

  • none

  • none

  • none

  • $0.00

  • $270.00

Other financial bits
  • $75,000

  • $5,000,000

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.49% p.a.

  • n/a

  • 0 Months

  • none

  • 4.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • none

  • none

  • none

  • $0.00

  • $270.00

Other financial bits
  • $75,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.27% p.a.

  • n/a

  • 0 Months

  • none

  • 4.33% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $445.00

  • $323.74

  • none

  • none

  • none

  • $0.00

  • $270.00

Other financial bits
  • $75,000

  • $5,000,000

  • none

  • 85.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.57% p.a.

  • n/a

  • 0 Months

  • none

  • 4.63% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $445.00

  • $323.74

  • none

  • none

  • none

  • $0.00

  • $270.00

Other financial bits
  • $75,000

  • $5,000,000

  • none

  • 85.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Customer Reviews

How are IMB Bank home loans rated by the Mozo community?

Overall customer rating
7.8/10
Price
7.4/10
Features
6.6/10
Customer service
7.9/10
Convenience
7.5/10
Trust
7.8/10

Latest reviews of IMB Bank Essentials Home Loan

  • Overall
    9/10
    They remember your name!

    IMB have been really great - after getting our home loan with them after previously after an...

    IMB have been really great - after getting our home loan with them after previously after an account with the big four, the customer service difference was amazing. They really do remember our names when we come in! Also a really competitive rate compared with the rest of the market.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    7/10
    Trust
    10/10

    Liz | Australian Capital Territory

    reviewed almost 3 years ago

  • Overall
    10/10
    Good

    IMB is great.

    IMB is great.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Jane | New South Wales

    reviewed almost 3 years ago

  • Overall
    10/10
    Amazing service with the rates to match.

    Amazing service. Never have to wait in line. Great home loan rates. No hidden fees. Staff know...

    Amazing service. Never have to wait in line. Great home loan rates. No hidden fees. Staff know what they are talking about and are passionate to help me with any enquiry. I also appreciated consistent communication throughout the entire loan process.

    Price
    10/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Judy | Australian Capital Territory

    reviewed over 5 years ago

IMB Bank

About IMB Bank

IMB is one of Australia's largest building society servicing the lower east coast of Australia. IMB's better value banking offers its customers lower cost banking and secure services. IMBs' face-to-face facilities allow them to offer a more personalised service in taking care of the IMB community. IMB offers a range of products including insurance, business banking, term deposits, saving & transaction accounts and home & personal loans.

See IMB Bank home loans

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a. variable

3.66% p.a.

$520

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a. variable

3.73% p.a.

$600

UBank

UBank

UHomeLoan - Offer

3.59% p.a. variable

3.59% p.a.

$0

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a. variable

3.69% p.a.

$150

HSBC

HSBC

Home Value Loan

3.64% p.a. variable

3.66% p.a.

$150

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a. variable

4.12% p.a.

$0

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$520

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a.

3.73% p.a.

$600

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$150

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.64% p.a.

3.78% p.a.

$150

HSBC

HSBC

Home Value Loan

3.64% p.a.

3.66% p.a.

$150

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

Queensland Country Credit Union

Queensland Country Credit Union

Ultimate Fixed Home Loan (Package)

n/a

n/a

$0

bcu

bcu

Fixed Rate Home Loan

3.90% p.a.
fixed 3 years

4.78% p.a.

$600

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

3.94% p.a.
fixed 3 years

4.81% p.a.

$0

NAB

NAB

Tailored Home Loan (Fixed)

4.04% p.a.
fixed 3 years

5.05% p.a.

$600

ME

ME

Flexible Home Loan (Fixed)

4.14% p.a.
fixed 3 years

4.81% p.a.

$400

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$0.00

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a.

3.73% p.a.

$0.00

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0.00

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$0.00

HSBC

HSBC

Home Value Loan

3.64% p.a.

3.66% p.a.

$0.00

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a.

4.12% p.a.

$395.00 yearly

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a.

3.82% p.a.

$10.00 monthly

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0.00

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.