IMB Bank Refinance Home Loans, July 2026
IMB Bank's refinance-eligible products. Compare against your existing rate plus exit costs.
RBA cash rate 4.35%(effective 17 Jun 2026)|Rates updated |896 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in July 2026
Reviewed by the Ratesniffers Editorial Team, July 2026
IMB Bank's sharpest refinance options. Market cheapest currently sits at 5.89%.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
IMB BankEssentials Home Loan
6.04%
6.08%
80%
Fixed rate
IMB Bank3 year Fixed Rate Home Loan
6.34%
6.56%
90%
Interest only
IMB BankEssentials Home Loan
6.59%
6.59%
80%
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%
*Important Information and Comparison Rate Warning
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.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
IMB Bank · Refinance
IMB Bank refinance home loans, what to weigh
IMB Bank's refinance-eligible products. Compare against your existing rate plus exit costs. IMB Bank's sharpest variable currently: 5.89%. Sharpest fixed: 6.24%.
See also IMB Bank's full product range, repayment calculator, and refinance savings calculator.