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 based on a loan of $150,000 over a term of 25 years.

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IMB Bank · Offset

IMB Bank offset home loans, what to weigh

100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. IMB Bank's sharpest variable currently: 5.89%. Sharpest fixed: 6.24%.