The Standard Variable Loan offers a competitive interest rate and a 100% offset account which means you can make all your money work towards paying off your loan faster.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 10.08% | 10.00% | Variable · investment · interest only · LVR 1%–95% | CDR | 1 Nov 2026 | |
| 9.78% | 9.85% | Variable · investment · principal and interest · LVR 1%–95% | CDR | 1 Nov 2026 | |
| 9.51% | 9.43% | Variable · owner occupied · interest only · LVR 1%–90% | CDR | 1 Nov 2026 | |
| 9.21% | 9.28% | Variable · owner occupied · principal and interest · LVR 1%–95% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-3- Content hash
sha256 c29adc00cbf20141295db045487b7f058414b49d8c0c7255620e29c276b96e53- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c29adc00cbf20141_4d22928dShow details
- Checked
- 1 Nov 2026
- URL
https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-3- Content hash
sha256 c29adc00cbf20141295db045487b7f058414b49d8c0c7255620e29c276b96e53- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan Application Fee | Upfront | $449.00 |
| Mortgage Processing Fee | Upfront | $350.00 |
| Additional Valuation Fee | Upfront | $0.00 |
| Redraw Fee (free via internet and mobile banking) | Event | $50.00 |
| Split Loan Fee | Upfront | $100.00 |
| PEXA Transaction Service Fee | Event | $0.00 |
| Additional Mortgage Processing Fee | Upfront | $150.00 |
| Amendment Fee | Event | $150.00 |
| Guarantor Fee | Upfront | $100.00 |
| Additional Loan Application Fee/Top-up Fee | Upfront | $449.00 |
| Consent Fee | Event | $300.00 |
| Default Fee | Event | $50.00 |
| Discharge Fee | Exit | $350.00 |
| Partial Discharge Processing Fee | Event | $300.00 |
| Portable Loan Fee | Event | $600.00 |
| Switching Fee | Variation | $300.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | ||
| Digital banking | Internet Banking and Mobile Banking App. | |
| Notifications | IMB Alerts | IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking. |
| Other | Direct Credit | Direct Credit is available on this account type. |
| Other | Receive Electronic Funds Transfers | Receive Electronic Funds Transfers (EFT) to this account type. |
| Other | Branch | IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. |
| Other | Phone Banking Operator Assisted | IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm |
| Other | Scheduled Payments | Receive only |
| Other | Split loan | Split loan available. |
| Redraw | Free redraw via internet and mobile banking | |
| Extra repayments | Unrestricted additional repayments | |
| Guarantor | ||
| Fraud protection | ||
| Other | Telephone Banking | IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone. |
| Eligibility: min age | 18 | |
| Eligibility: natural person | NULL | |
| Eligibility: residency status | Borrowers must be Australian Citizens or permanent residents. | |
| Eligibility: other | Assessment | Lending Criteria apply |
| Limit: min limit | 10000 | |
| Limit: min lvr | 0 | |
| Limit: max lvr | 0.95 | |
| Limit: max lvr | 0.9 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 1%–90% | 1 Nov 2026 | Current | 9.51% | 9.43% |
| Variable · investment · interest only · LVR 1%–95% | 1 Nov 2026 | Current | 10.08% | 10.00% |
| Variable · investment · principal and interest · LVR 1%–95% | 1 Nov 2026 | Current | 9.78% | 9.85% |
| Variable · owner occupied · principal and interest · LVR 1%–95% | 1 Nov 2026 | Current | 9.21% | 9.28% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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