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Standard Variable Home Loan
IMB Bank's Standard Variable 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 9 October 2026, up from 8.96% to 9.21%.
Advertised rate
9.21%
headline tier
Comparison rate
9.28%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 8.96% and 9.21% over the last 30 days.
Every current rate (4)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 95%<95% LVR | 9.21% | 9.28% |
| Variable, Owner occupier, Interest only, LVR up to 90%<90% LVR | 9.51% | 9.43% |
| Variable, Investor, P&I, LVR up to 95%<95% LVR | 9.78% | 9.85% |
| Variable, Investor, Interest only, LVR up to 95%<95% LVR | 10.08% | 10.00% |
Rate moves, last 30 days
- 9 October 2026: 4 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 95%, from 8.96% to 9.21%.
Published fees
| Fee | Amount |
|---|---|
| Loan Application Feeupfront: Application fee includes one valuation. | $449 |
| Mortgage Processing Feeupfront | $350 |
| 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 |
| 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 |
| Default Feewhen it happens: Payable when a loan is in default because amounts due have not been paid on time. | $50 |
Other IMB Bank home loans
Budget Home Loan 6.19%Essentials Home Loan 6.29%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%
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