IMB Bank
3 year Fixed Rate Home Loan
The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments. Fixed rate terms of 1-5 Years and up to 12 months repayments in advance without penalty
Home loansBank updated 22 Sept 2026
At a glance
- Fixed
- 3 yrs 6.24%
- Max LVR
- 95%
- Annual fee
- $72
- Features
- redraw, extra repayments
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFor Investment loan purpose with Interest Only repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is… | Investment · Interest only | 3 yrs fixed | 1–90% LVR | 6.54% | 6.62% | — |
| FixedFor Investment loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This compariso… | Investment · P&I | 3 yrs fixed | 1–90% LVR | 6.34% | 6.56% | — |
| FixedFor Owner Occupier loan purpose with Interest Only repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rat… | Owner occupied · Interest only | 3 yrs fixed | 1–90% LVR | 6.54% | 6.40% | — |
| FixedFor Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This compa… | Owner occupied · P&I | 3 yrs fixed | 1–95% LVR | 6.24% | 6.32% | — |
§ 02 — Fees · 19
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Amendment Fee | Event | $150 | — | Payable when contract documentation is re-issued due to a change requested by a borrower. |
| Break Costs | Event | $1 to $99,999 | — | Payable on a fixed rate loan if the loan is repaid or switched before the end of the fixed rate period. |
| Consent Fee | Event | $300 | — | Payable each time we are asked to consent to a request that affects the security property (e.g. a subsequent mortgage, lease, subdivision or transfer). |
| Default Fee | Event | $50 | — | Payable when a loan is in default because amounts due have not been paid on time. |
| Partial Discharge Processing Fee | Event | $300 | — | Payable when we are asked to release a security property from a loan which has more than one security property. This fee covers the processing of this request and is payable in addition to the Discha… |
| PEXA Transaction Service Fee | Event | No fee | — | Payable to the Property Exchange Australia for electronic lodgement of any transaction on title after settlement, including lodgement or discharge of mortgage or caveat. |
| Portable Loan Fee | Event | $600 | — | Payable when we are asked to replace an existing security property with a new security property. |
| Redraw Fee (free via internet and mobile banking) | Event | $50 | — | Redraws are FREE via internet banking, otherwise a fee applies |
| Discharge Fee | Exit | $350 | — | Payable each time we release and discharge a security property. |
| Advance Repayment Costs | Payment | $1 to $99,999 | — | Payable on a fixed rate loan if extra loan repayments are more than 12 times the monthly repayment during the fixed rate period. |
| Monthly Fee | Periodic | $6 | Every 1 mo | — |
| Additional Loan Application Fee/Top-up Fee | Upfront | $449 | — | Payable for an application for an additional loan with no new security. |
| Additional Mortgage Processing Fee | Upfront | $150 | — | Payable for each additional new security property and added to the Mortgage Processing Fee. |
| Additional Valuation Fee | Upfront | No fee | — | If the loan is to be against more than one security, additional valuation costs will be collected at settlement. |
| Guarantor Fee | Upfront | $100 | — | Payable for the preparation and processing of guarantee documentation when a loan includes a guarantor/s. |
| Loan Application Fee | Upfront | $449 | — | Application fee includes one valuation. Valuation costs over & above single/primary security are to be covered by the borrower. Other fees and charges may apply. |
| Mortgage Processing Fee | Upfront | $350 | — | — |
| Split Loan Fee | Upfront | $100 | — | Payable to IMB if a loan is split into more than one account. |
| Switching Fee | Variation | $300 | — | Payable when we process a request to change to an interest rate type, product type or repayment type, including extending an interest only period and at the end of a fixed rate term. |
§ 03 — Features
RedrawExtra repaymentsGuarantor optionDigital bankingFraud protection
- · Direct Credit is available on this account type.
- · Receive Electronic Funds Transfers (EFT) to this account type.
- · IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- · IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
- · Receive only
- · Split loan available.
- · IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Borrowers must be Australian Citizens or permanent residents.
- · Available to individuals
- · Amount $10,000 to no maximum
- · Maximum LVR 95%
- · Lending Criteria apply
§ 06 — Run the numbers
Put this product through a calculator
Published by IMB Bank under the Consumer Data Right, last changed by them on 22 Sept 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.