IMB Bank home loan interest rates for owner-occupier principal & interest loans — 3 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Budget Home Loan auto-updated 2026-09-16 | 6.04% | — | 6.03% | — | ★ Up to $4,000 cashback: $2,000 ($250k-$499k), $3,000 ($500k-$749k), $4,000 ($750k+); LVR <=80% |
| Essentials Home Loan OO P&I, LVR up to 70% | 6.09% | — | 6.20% | — | — |
| Fixed Rate Home Loan | — | 1yr 6.24%2yr 6.24%3yr 6.24%4yr 6.39%5yr 6.39% | — | OO P&I, LVR up to 95% | — |
About IMB Bank
Customer-owned bank (mutual) based in Wollongong, NSW, operating for more than 145 years; one of Australia's oldest financial institutions.
- Website: www.imb.com.au/
- Contact: 133 462 (Australia), +61 2 4298 0111 (overseas); online General Enquiry Form
Current IMB Bank rates: lowest variable 6.04%, lowest fixed 6.24%.
Rate source: https://www.imb.com.au/help-centre/rates-and-fees/home-loan-rates-and-fees/owner-occupier-home-loans.