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IMB Bank · Home loans
Essentials Home Loan
IMB Bank's Essentials Home Loan is a home loan. The figures are the ones IMB Bank publishes under the Consumer Data Right today. The advertised rate last moved on 23 October 2026, down from 6.34% to 6.29%.
Advertised rate
6.29%
headline tier
Comparison rate
6.40%
as published
Last moved
-0.05pp
23 October 2026
Advertised rate, last 30 days. Between 6.09% and 6.34% over the last 30 days.
Every current rate (15)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 70%<70% LVR | 6.29% | 6.40% |
| Variable, Owner occupier, P&I, LVR 70 to 80%70-80% LVR | 6.39% | 6.50% |
| Variable, Investor, P&I, LVR up to 70%<70% LVR | 6.44% | 6.61% |
| Variable, Investor, P&I, LVR 70 to 80%70-80% LVR | 6.49% | 6.66% |
| Variable, Owner occupier, P&I, LVR 80 to 90%80-90% LVR | 6.54% | 6.65% |
| Variable, Owner occupier, Interest only, LVR up to 70%<70% LVR | 6.59% | 6.54% |
| Variable, Investor, P&I, LVR 80 to 90%80-90% LVR | 6.64% | 6.81% |
| Variable, Owner occupier, Interest only, LVR 70 to 80%70-80% LVR | 6.69% | 6.63% |
| Variable, Investor, Interest only, LVR up to 70%<70% LVR | 6.74% | 6.74% |
| Variable, Investor, Interest only, LVR 70 to 80%70-80% LVR | 6.79% | 6.79% |
| Variable, Owner occupier, Interest only, LVR 80 to 90%80-90% LVR | 6.84% | 6.78% |
| Variable, Owner occupier, P&I, LVR 90 to 95%90%-95% LVR | 6.89% | 7.00% |
| Variable, Investor, Interest only, LVR 80 to 90%80-90% LVR | 6.94% | 6.94% |
| Variable, Investor, P&I, LVR 90 to 95%90%-95% LVR | 7.49% | 7.66% |
| Variable, Investor, Interest only, LVR 90 to 95%90%-95% LVR | 7.79% | 7.80% |
Rate moves, last 30 days
- 23 October 2026: Variable, Owner occupier, Interest only, LVR up to 70% cut 0.05pp, from 6.64% to 6.59%.
- 23 October 2026: Variable, Owner occupier, P&I, LVR up to 70% cut 0.05pp, from 6.34% to 6.29%.
- 9 October 2026: 13 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 70%, from 6.09% to 6.34%.
Published fees
| Fee | Amount |
|---|---|
| Additional Valuation Feeupfront: If the loan is to be against more than one security, additional valuation costs will be collected at settlement. | $0 |
| Redraw Fee (free via internet and mobile banking)when it happens: Redraws are FREE via internet banking, otherwise a fee applies | $50 |
| Split Loan Feeupfront: Payable to IMB if a loan is split into more than one account. | $100 |
| Loan Application Feeupfront: Application fee is Nil for Owner Occupier IMB Essentials Home Loans. | $449 |
| Mortgage Processing Feeupfront: Mortgage Processing Fee is Nil for Owner Occupier IMB Essentials Home Loans. | $350 |
| Monthly Feerecurring | $10 |
| PEXA Transaction Service Feewhen it happens: Payable to the Property Exchange Australia for electronic lodgement of any transaction on title after settlement, including lodgement or discharge of mortgage o | $0 |
| Additional Mortgage Processing Feeupfront: Payable for each additional new security property and added to the Mortgage Processing Fee. | $150 |
| Amendment Feewhen it happens: Payable when contract documentation is re-issued due to a change requested by a borrower. | $150 |
| Guarantor Feeupfront: Payable for the preparation and processing of guarantee documentation when a loan includes a guarantor/s. | $100 |
| Additional Loan Application Fee/Top-up Feeupfront: Payable for an application for an additional loan with no new security. | $449 |
| Consent Feewhen it happens: Payable each time we are asked to consent to a request that affects the security property (e.g. | $300 |
Other IMB Bank home loans
Budget Home Loan 6.19%1 year Fixed Rate Home Loan 6.49%2 year Fixed Rate Home Loan 6.49%3 year Fixed Rate Home Loan 6.49%4 year Fixed Rate Home Loan 6.69%5 year Fixed Rate Home Loan 6.69%Standard Variable Home Loan 9.21%
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