4 year Fixed Rate Home Loan

IMB Bank

CDR official

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

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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
6.89%	6.72%	Fixed · 4 years · owner occupied · interest only · LVR 1%–90%		CDR	1 Nov 2026
6.69%	6.65%	Fixed · 4 years · 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-1-7
Content hash: sha256 7913388e40b100b3d4aee51ef3d40577106d4531b6e31a3944b38d184354651c
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_7913388e40b100b3_c0fe92f6Show details

Checked: 1 Nov 2026
URL: https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-7
Content hash: sha256 7913388e40b100b3d4aee51ef3d40577106d4531b6e31a3944b38d184354651c
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
Monthly Fee	Periodic	$6.00
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
Break Costs	Event	Set in your letter of offer
Advance Repayment Costs	Payment	Set in your letter of offer

Features and eligibility

Item	Value	Details
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		Up to 12 months repayments in advance without penalty
Guarantor
Cashback offer	2000	$2,000 cashback for new purchase or refinance home loans. Loans from $250,000 to $499,999. Max LVR 80%. Entitlement to cashback is conditional on the loan being active for at least 12 months. 50% of the cashback is repayable if the loan is discharged within 12 months of the settlement date. Excludes: refinance of IMB loans, commercial, construction and bridging loans. Lending and eligibility criteria, T&Cs apply.
Cashback offer	3000	$3,000 cashback for new purchase or refinance home loans. Loans from $250,000 to $499,999. Max LVR 80%. Entitlement to cashback is conditional on the loan being active for at least 12 months. 50% of the cashback is repayable if the loan is discharged within 12 months of the settlement date. Excludes: refinance of IMB loans, commercial, construction and bridging loans. Lending and eligibility criteria, T&Cs apply.
Cashback offer	4000	$4,000 cashback for new purchase or refinance home loans. Min loan size $750,000. Max LVR 80%. Entitlement to cashback is conditional on the loan being active for at least 12 months. 50% of the cashback is repayable if the loan is discharged within 12 months of the settlement date. Excludes: refinance of IMB loans, commercial, construction and bridging loans. Lending and eligibility criteria, T&Cs apply.
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	0.9
Limit: max lvr	0.95

Rate history

Rate	From	To	Rate p.a.	Comparison
Fixed · 4 years · owner occupied · interest only · LVR 1%–90%	1 Nov 2026	Current	6.89%	6.72%
Fixed · 4 years · owner occupied · principal and interest · LVR 1%–95%	1 Nov 2026	Current	6.69%	6.65%

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