Budget Home Loan
Owner-occupierVariableP&IRedrawExtra repayments$4,000 cashback
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
IMB Bank Home Loan Rates
Active products
32
Lowest variable
6.04%
Lowest fixed
6.24%
Lowest comparison
6.08%
Last updated
28 July 2026
IMB Bank is one of the Australian home-loan lenders we track daily. We currently surface 32 active products from IMB Bank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What is the lowest IMB Bank home loan rate?
The lowest IMB Bank variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.24% p.a. These figures come from the 30 IMB Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does IMB Bank offer?
Ratesniffers currently tracks 30 IMB Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
IMB Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.04% p.a. | 6.08% p.a. | 95% |
| Variable Owner-occupier P&I | 6.04% p.a. | 6.08% p.a. | 95% |
| Variable Owner-occupier P&I | 6.04% p.a. | 6.08% p.a. | 95% |
| Variable Investor P&I | 6.24% p.a. | 6.30% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 6.24% p.a. | 6.31% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.24% p.a. | 6.31% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.24% p.a. | 6.32% p.a. | 95% |
| Variable Owner-occupier interest-only | 6.34% p.a. | 6.23% p.a. | 90% |
| Fixed 4-year Owner-occupier P&I | 6.39% p.a. | 6.38% p.a. | 95% |
| Fixed 5-year Owner-occupier P&I | 6.39% p.a. | 6.39% p.a. | 95% |
| Fixed 1-year Owner-occupier interest-only | 6.44% p.a. | 6.33% p.a. | 90% |
| Fixed 2-year Owner-occupier interest-only | 6.44% p.a. | 6.35% p.a. | 90% |
30 IMB Bank home loan products
Essentials Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$4,000 cashback
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Standard Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR ≤95%
Budget Home Loan
InvestorVariableP&IRedrawExtra repayments$4,000 cashback
Interest
6.24%p.a.
20d ago
Comparison*
6.30%p.a.
Monthly repayment
$3,075
LVR ≤80%
1 year Fixed Rate Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.24%p.a.
20d ago
Comparison*
6.31%p.a.
Monthly repayment
$3,075
LVR ≤95%
2 year Fixed Rate Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments$4,000 cashback
Interest
6.24%p.a.
20d ago
Comparison*
6.31%p.a.
Monthly repayment
$3,075
LVR ≤95%
3 year Fixed Rate Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments$4,000 cashback
Interest
6.24%p.a.
20d ago
Comparison*
6.32%p.a.
Monthly repayment
$3,075
LVR ≤95%
Budget Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.34%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,108
LVR 71–80%
4 year Fixed Rate Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments$4,000 cashback
Interest
6.39%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,124
LVR ≤95%
5 year Fixed Rate Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments$4,000 cashback
Interest
6.39%p.a.
20d ago
Comparison*
6.39%p.a.
Monthly repayment
$3,124
LVR ≤95%
1 year Fixed Rate Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,141
LVR ≤90%
2 year Fixed Rate Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.44%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,141
LVR ≤90%
Essentials Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments$4,000 cashback
Interest
6.44%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,141
LVR 71–80%
Essentials Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments$4,000 cashback
Interest
6.29%p.a.
20d ago
Comparison*
6.46%p.a.
Monthly repayment
$3,092
LVR ≤80%
3 year Fixed Rate Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.54%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,174
LVR ≤90%
Budget Home Loan
InvestorVariableInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.54%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,174
LVR ≤80%
3 year Fixed Rate Home Loan
Investor3y FixedP&IRedrawExtra repayments$4,000 cashback
Interest
6.34%p.a.
20d ago
Comparison*
6.56%p.a.
Monthly repayment
$3,108
LVR ≤90%
2 year Fixed Rate Home Loan
Investor2y FixedP&IRedrawExtra repayments$4,000 cashback
Interest
6.34%p.a.
20d ago
Comparison*
6.57%p.a.
Monthly repayment
$3,108
LVR ≤90%
1 year Fixed Rate Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.34%p.a.
20d ago
Comparison*
6.59%p.a.
Monthly repayment
$3,108
LVR ≤90%
2 year Fixed Rate Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.44%p.a.
20d ago
Comparison*
6.59%p.a.
Monthly repayment
$3,141
LVR ≤90%
4 year Fixed Rate Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.59%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,190
LVR ≤90%
5 year Fixed Rate Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.59%p.a.
20d ago
Comparison*
—
Monthly repayment
$3,190
LVR ≤90%
Essentials Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments$4,000 cashback
Interest
6.59%p.a.
20d ago
Comparison*
6.59%p.a.
Monthly repayment
$3,190
LVR ≤80%
1 year Fixed Rate Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
20d ago
Comparison*
6.60%p.a.
Monthly repayment
$3,141
LVR ≤90%
5 year Fixed Rate Home Loan
Investor5y FixedP&IRedrawExtra repayments$4,000 cashback
Interest
6.49%p.a.
20d ago
Comparison*
6.60%p.a.
Monthly repayment
$3,157
LVR ≤90%
3 year Fixed Rate Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.54%p.a.
20d ago
Comparison*
6.62%p.a.
Monthly repayment
$3,174
LVR ≤90%
5 year Fixed Rate Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments$4,000 cashback
Interest
6.69%p.a.
20d ago
Comparison*
6.69%p.a.
Monthly repayment
$3,223
LVR ≤90%
Standard Variable Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
9.26%p.a.
Verify, 71d old
Comparison*
—
Monthly repayment
$4,117
LVR ≤90%
Standard Variable Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
9.53%p.a.
Verify, 71d old
Comparison*
9.60%p.a.
Monthly repayment
$4,215
LVR ≤95%
Standard Variable Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
9.83%p.a.
Verify, 71d old
Comparison*
—
Monthly repayment
$4,325
LVR ≤95%
Negotiate IMB Bank rates with a broker
Advertised rates aren't always the rate IMB Bank actually approves. Our broker negotiates against your specific scenario, no fee.
Who is IMB Bank?
IMB Bank is one of Australia's oldest customer-owned banks. It was established in 1880 in Wollongong as the Illawarra Mutual Building Society and formally became a mutual bank in 2015. Because it is owned by its members rather than shareholders, profits are returned through pricing and service rather than dividends.
IMB runs a branch network of around 50 locations across New South Wales, the ACT and Melbourne, having entered Sydney in 1989, Melbourne in 2006 and the Newcastle and Hunter region in 2020 through its merger with Hunter United. It holds more than $7 billion in assets and is regulated by APRA like every Australian bank.
Who suits a IMB Bank home loan?
IMB tends to suit borrowers who want mutual-bank pricing with a real branch network, particularly across the Illawarra, Sydney, Canberra, the Hunter and Melbourne. Its variable rates regularly sit below the big-four average in our index, so it is worth shortlisting if you value customer-owned banking without giving up sharp pricing.
Background facts checked 13 July 2026. Rates above refresh independently.
IMB Bank home loans: frequently asked questions
What is the lowest IMB Bank home loan rate?
IMB Bank's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.24% p.a., based on the 30 IMB Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate IMB Bank approves, a broker can often negotiate a sharper deal on your scenario.
How does IMB Bank's home loan rate compare to the market?
IMB Bank's lowest variable home loan rate today is 6.04% p.a., which is 5 basis points below the market median of 6.09% p.a., which puts IMB Bank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where IMB Bank sits right now rather than a fixed snapshot.
How many home loan products does IMB Bank offer?
Ratesniffers currently tracks 32 IMB Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 30 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is IMB Bank competitive for refinancing?
It depends on your loan size and LVR. IMB Bank's lowest comparison rate is currently 6.08% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing IMB Bank against the sharpest available rate usually pays off.
How often are IMB Bank's home loan rates updated?
Ratesniffers refreshes IMB Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever IMB Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
IMB Bank rates by borrower and loan type
The same IMB Bank panel, filtered to the scenario you're actually shopping for.
- IMB Bank owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- IMB Bank investor ratesInvestment lending, interest-only where offered.
- IMB Bank refinance ratesRefinance-eligible products versus your current rate.
- IMB Bank first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- IMB Bank fixed rates1 to 5-year terms where available.
- IMB Bank variable ratesFlexible repayments, offset-compatible products.
- IMB Bank interest-only ratesIO terms, mostly investor products.
- IMB Bank offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.