IMB Bank4 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
At a glance
- Fixed
- 4 yrs 6.69%
- Max LVR
- 95%
- Annual fee
- $72
- Features
- redraw, extra repayments
Rates
Every rate IMB Bank publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| 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 | 4 yrs fixed | 1–90% LVR | 6.89% | 6.72% | - |
| 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 | 4 yrs fixed | 1–95% LVR | 6.69% | 6.65% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Oct 2026 | Fixed, Owner occupied, Interest only, 4 yrs fixed, 1–90% LVR | 6.59% | 6.89% | up 0.30 |
| 2 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed, 1–95% LVR | 6.39% | 6.69% | up 0.30 |
Each change is logged the night it appears in the rates IMB Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
19 fees published, grouped by when they're charged.
- When you take it outUp to $4497 fees, each listed below
- While you hold it$6 a monthMonthly Fee
- When you close it or pay it off$350Discharge Fee
When you take it out7
- Additional Loan Application Fee/Top-up Fee
Payable for an application for an additional loan with no new security.
$449 - Additional Mortgage Processing Fee
Payable for each additional new security property and added to the Mortgage Processing Fee.
$150 - Additional Valuation Fee
If the loan is to be against more than one security, additional valuation costs will be collected at settlement.
No fee - Guarantor Fee
Payable for the preparation and processing of guarantee documentation when a loan includes a guarantor/s.
$100 - Loan Application Fee
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.
$449 - Mortgage Processing Fee$350
- Split Loan Fee
Payable to IMB if a loan is split into more than one account.
$100
While you hold it1
- Monthly Fee$6 a month
When you make a transaction1
- Advance Repayment Costs
Payable on a fixed rate loan if extra loan repayments are more than 12 times the monthly repayment during the fixed rate period.
$1 to $99,999
When particular things happen9
- Amendment Fee
Payable when contract documentation is re-issued due to a change requested by a borrower.
$150 - Break Costs
Payable on a fixed rate loan if the loan is repaid or switched before the end of the fixed rate period.
$1 to $99,999 - Consent Fee
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).
$300 - Default Fee
Payable when a loan is in default because amounts due have not been paid on time.
$50 - Partial Discharge Processing Fee
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…
$300 - PEXA Transaction Service 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.
No fee - Portable Loan Fee
Payable when we are asked to replace an existing security property with a new security property.
$600 - Redraw Fee (free via internet and mobile banking)
Redraws are FREE via internet banking, otherwise a fee applies
$50 - Switching Fee
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.
$300
When you close it or pay it off1
- Discharge Fee
Payable each time we release and discharge a security property.
$350
Features
- 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.
Eligibility and limits
- Minimum age 18
- Residency: Borrowers must be Australian Citizens or permanent residents.
- Available to individuals
- Amount from $10,000, no maximum
- Maximum LVR 95%
- Lending Criteria apply
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Published by IMB Bank under the Consumer Data Right, last changed by them on 9 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.