3 year Fixed Rate Home Loan

The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments. Fixed rate terms of 1-5 Years and up to 12 months repayments in advance without penalty
Category: Home Loans  Last Updated July 1, 2021  Effective January 31, 2021

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate
1.97%PA
Comparison Rate
2.81%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, FIXED, 3.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.34%, Comparison Rate 3.15%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, FIXED, 2.35%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.35%, Comparison Rate 3.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 2.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 3.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw
  • Digital Banking Additional Information: Internet Banking and Mobile Banking App.
  • Notifications Additional Information: IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.
  • Other Additional Information: Direct Credit is available on this account type.
  • Other Additional Information: Receive Electronic Funds Transfers (EFT) to this account type.
  • Other Additional Information: IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
  • Other Additional Information: IMB consultants are available¬†Monday to Friday 8am - 8pm and Saturday 9am - 4pm
  • Other Additional Information: Receive only
  • Other Additional Information: A Family Guarantee allows family to assist their children in the purchase of a property without actually providing a cash gift or cash loan. It could also allow borrowers to include some of the costs of purchasing, such as stamp duty and legal costs in the loan amount.
  • Other
  • Other
  • Other

 Limitations & Restrictions (Constraints)

  • Min Limit of 10000
  • Max Limit of 0 Additional Information: Up to 95% of the property value

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