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IMB Bank Essentials Home Loan

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 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 90%

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 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

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

  • Owner Occupier (Interest Only)

    LVR < 90%

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

  • Investor (Principal & Interest)

    LVR < 90%

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

  • Investor (Interest Only)

    LVR < 90%

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

Rate
2.98% p.a.
Comparison Rate*
3.12% p.a.
Service fee
$10.00 monthly
Upfront fee
$0
Rate
3.28% p.a.
Comparison Rate*
3.41% p.a.
Service fee
$10.00 monthly
Upfront fee
$0
Rate
3.18% p.a.
Comparison Rate*
3.37% p.a.
Service fee
$10.00 monthly
Upfront fee
$799
Rate
3.48% p.a.
Comparison Rate*
3.66% p.a.
Service fee
$10.00 monthly
Upfront fee
$799

Details

Rates and fees information correct as at 20 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.98% p.a.

  • n/a

  • n/a

  • n/a

  • 3.12% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • n/a

  • n/a

  • n/a

  • $10.00 monthly

  • $350.00

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

  • none

*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.

Details

Rates and fees information correct as at 20 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.28% p.a.

  • n/a

  • n/a

  • n/a

  • 3.41% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • n/a

  • n/a

  • n/a

  • $10.00 monthly

  • $350.00

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

  • none

*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.

Details

Rates and fees information correct as at 20 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.18% p.a.

  • n/a

  • n/a

  • n/a

  • 3.37% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $449.00

  • $350.00

  • n/a

  • n/a

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $75,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

  • none

*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.

Details

Rates and fees information correct as at 20 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.48% p.a.

  • n/a

  • n/a

  • n/a

  • 3.66% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $449.00

  • $350.00

  • n/a

  • n/a

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $75,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

  • none

*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.

Customer Reviews

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

Overall
7.8/10
Price
7.4/10
Features
6.7/10
Customer service
8.0/10
Convenience
7.5/10
Trust
7.8/10

Latest reviews of IMB Bank Essentials Home Loan

  • Overall 7/10
    Good tellers.

    Good tellers and easy internet banking.

    Read full review

    Good tellers and easy internet banking.

    Price
    5/10
    Features
    4/10
    Customer service
    8/10
    Convenience
    10/10
    Trust
    -1/10
    Less
    Joanne, New South Wales reviewed 11 months ago
  • Overall 9/10
    They remember your name!

    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.

    Read full review

    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
    Less
    Liz, Australian Capital Territory reviewed almost 5 years ago
  • Overall 10/10
    Good

    IMB is great.

    Read full review

    IMB is great.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Jane, New South Wales reviewed almost 5 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 what they are talking about and are passionate to help me with any enquiry. I also appreciated consistent communication throughout the entire loan process.

    Read full review

    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
    Less
    Judy, Australian Capital Territory reviewed over 7 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.

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*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.