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IMB Bank Essentials Home Loan

Advertiser disclosure
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 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $10,000 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 $10,000 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 $10,000 and $5,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $10,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $10,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $10,000 and $5,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $10,000 and $5,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $10,000 and $5,000,000 with an LVR below 90%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 80% $75,000 $5,000,000
Owner Occupier Principal & Interest 80%-90% $10,000 $5,000,000
Owner Occupier Principal & Interest 90%-95% $10,000 $5,000,000
Owner Occupier Interest Only < 80% $10,000 $5,000,000
Owner Occupier Interest Only 80%-90% $10,000 $5,000,000
Investor Principal & Interest < 80% $10,000 $5,000,000
Investor Principal & Interest < 90% $10,000 $5,000,000
Investor Interest Only < 80% $10,000 $5,000,000
Investor Interest Only < 90% $10,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $75,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $10,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR 90%-95%
    Loan: $10,000 $5,000,000
  • Owner Occupier (Interest Only)
    LVR < 80%
    Loan: $10,000 $5,000,000
  • Owner Occupier (Interest Only)
    LVR 80%-90%
    Loan: $10,000 $5,000,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $10,000 $5,000,000
  • Investor (Principal & Interest)
    LVR < 90%
    Loan: $10,000 $5,000,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $10,000 $5,000,000
  • Investor (Interest Only)
    LVR < 90%
    Loan: $10,000 $5,000,000
Rate
6.19% p.a.
Comparison Rate
6.33% p.a.
Service fee
$10.00 monthly
Upfront fee
$350
Rate
6.39% p.a.
Comparison Rate
6.50% p.a.
Service fee
$10.00 monthly
Upfront fee
$0
Rate
6.94% p.a.
Comparison Rate
7.05% p.a.
Service fee
$10.00 monthly
Upfront fee
$0
Rate
6.49% p.a.
Comparison Rate
6.60% p.a.
Service fee
$10.00 monthly
Upfront fee
$0
Rate
6.69% p.a.
Comparison Rate
6.80% p.a.
Service fee
$10.00 monthly
Upfront fee
$0
Rate
6.44% p.a.
Comparison Rate
6.61% p.a.
Service fee
$10.00 monthly
Upfront fee
$799
Rate
6.59% p.a.
Comparison Rate
6.76% p.a.
Service fee
$10.00 monthly
Upfront fee
$799
Rate
6.74% p.a.
Comparison Rate
6.91% p.a.
Service fee
$10.00 monthly
Upfront fee
$799
Rate
6.89% p.a.
Comparison Rate
7.06% p.a.
Service fee
$10.00 monthly
Upfront fee
$799

Details

Rates and fees information correct as at 16 April 2024. 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

6.19% p.a.

n/a

n/a

n/a

6.33% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$350.00

n/a

n/a

n/a

$10.00 monthly

$350.00
Other financial bits

$75,000

$5,000,000

none

80.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$500.00

yes

yes

none

none

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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 16 April 2024. 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

6.39% p.a.

n/a

n/a

n/a

6.50% 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

$10,000

$5,000,000

80.00%

90.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$500.00

yes

yes

none

none

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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 16 April 2024. 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

6.94% p.a.

n/a

n/a

n/a

7.05% 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

$10,000

$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

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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 16 April 2024. 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

6.49% p.a.

n/a

n/a

n/a

6.60% 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

$10,000

$5,000,000

none

80.00%
Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$500.00

yes

yes

none

none

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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 16 April 2024. 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

6.69% p.a.

n/a

n/a

n/a

6.80% 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

$10,000

$5,000,000

80.00%

90.00%
Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$500.00

yes

yes

none

none

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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 16 April 2024. 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

6.44% p.a.

n/a

n/a

n/a

6.61% 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

$10,000

$5,000,000

none

80.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$500.00

yes

yes

none

none

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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 16 April 2024. 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

6.59% p.a.

n/a

n/a

n/a

6.76% 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

$10,000

$5,000,000

none

90.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$500.00

yes

yes

none

none

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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 16 April 2024. 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

6.74% p.a.

n/a

n/a

n/a

6.91% 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

$10,000

$5,000,000

none

80.00%
Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$500.00

yes

yes

none

none

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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 16 April 2024. 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

6.89% p.a.

n/a

n/a

n/a

7.06% 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

$10,000

$5,000,000

none

90.00%
Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$500.00

yes

yes

none

none

$2,000 cashback for loans $500,000 and above with maximum <80% LVR and settle within 90 days.

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
Price
Features
Customer service
Convenience
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Based on 116 IMB Bank home loan reviews

Latest reviews of IMB Bank Essentials Home Loan

About IMB Bank

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6.20% p.a.

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6.13% p.a.

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6.24% p.a. variable

6.48% p.a.

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5.99% p.a.

5.90% p.a.

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6.15% p.a.

6.40% p.a.

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Express Home Loan

6.01% p.a.

6.14% p.a.

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ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

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Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

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Flex Home Loan Fixed

p.a.

6.37% p.a.

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6.09% p.a.

6.20% p.a.

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Flex Home Loan

6.24% p.a.

6.48% p.a.

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Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

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5.99% p.a.
fixed 3 years

6.13% p.a.

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Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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5.99% p.a.
fixed 3 years

6.41% p.a.

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5.99% p.a.
fixed 3 years

6.12% p.a.

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Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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6.09% p.a.
fixed 3 years

6.19% p.a.

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6.59% p.a.
fixed 3 years

7.06% p.a.

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5.99% p.a.

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6.01% p.a.

6.14% p.a.

$10.00 monthly

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6.09% p.a.

6.09% p.a.

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6.14% p.a.

6.16% p.a.

$0.00

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Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

$248.00 yearly

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Macquarie

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6.15% p.a.

6.17% p.a.

$0.00

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6.09% p.a.

6.20% p.a.

$0.00

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5.90% p.a.

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$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.

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