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IMB Bank

Every product IMB Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 23 Oct 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with The Shire under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 237391, held by IMB Ltd; credit licence since 6 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetIMB Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

34 products in 7 categories

  1. Savings & transaction accounts14
  2. Home loans8
  3. Overdrafts4
  4. Personal loans3
  5. Term deposits2
  6. Business loans2
  7. Trust accounts1

IMB Bank's rates today

IMB Bank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where IMB Bank sits among every institution's best

IMB Bank 6.29%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateIMB BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.29%Budget Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.49%3 year Fixed Rate Home Loan6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans6.99%Secured Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions
Business savings accountEach institution's best interest-paying business account, base plus any bonus0.01%Business Tax Management Account5.40%Great Southern Bank Business+'s Business+ Saver0.55%of 34 institutions
Business overdraftLowest advertised rate; most are variable8.24%Commercial Credit line8.24%IMB Bank's Commercial Credit line10.06%of 12 institutions
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower6.94%Fully Drawn Commercial Loan6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

IMB Bank home loan repayments

Repayments at IMB Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableBudget Home Loan
    6.29%6.32% comparison
    $3,710a month

    $735,574 in interest, $1,335,574 repaid in all

  2. 1-year fixed1 year Fixed Rate Home Loan
    6.49%6.56% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

  3. 2-year fixed2 year Fixed Rate Home Loan
    6.49%6.56% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

  4. 3-year fixed3 year Fixed Rate Home Loan
    6.49%6.57% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

  5. 5-year fixed5 year Fixed Rate Home Loan
    6.69%6.64% comparison
    $3,868a month

    $792,368 in interest, $1,392,368 repaid in all

  6. Investor variableBudget Home Loan
    6.44%6.50% comparison
    $3,769a month

    $756,755 in interest, $1,356,755 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not IMB Bank's own calculator: confirm the rate with IMB Bank before you apply.

IMB Bank home loan rates

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8 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.29%, with a comparison rate of 6.32%, on its Budget Home Loan: 32nd lowest of 104 lenders, level with 5 others.

IMB Bank savings and transaction account rates

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14 products

IMB Bank term deposit rates

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2 products

IMB Bank personal loan rates

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3 products

Its lowest advertised personal loan rate is 6.24% fixed, with a comparison rate of 6.59%, on its New Car Loan: 11th lowest of 69 lenders, level with 2 others.

IMB Bank business loan rates

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2 products

Its lowest advertised business loan rate is 6.94% variable, on its Fully Drawn Commercial Loan: 8th lowest of 49 lenders, level with one other.

IMB Bank overdraft rates

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4 products

Its lowest advertised overdraft rate is 8.24% variable, on its Commercial Credit line: 2nd lowest of 23 lenders.

IMB Bank trust accounts

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1 product

Rate changes since 18 Sept 2026How every lender responded

Has IMB Bank passed on the RBA's November 2026 rate rise?

IMB Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

  1. Fri 23 Oct

  2. Fri 9 Oct

  3. Fri 2 Oct

Published by IMB Bank under the Consumer Data Right, last changed by them on 23 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.