IMB Home Loans - Mortgage Lender
Whether you are a owner occupier or looking to invest, IMB has a range of home loans to suit our members' needs.
imb banking products
Loan Products
| Type of Loan |
Home Loan Information |
| > Discount Split Home Loan |
The IMB Discount Split Home Loan is a combination discounted variable rate home loan and a fixed rate home loan. The fixed rate must be taken out for a fixed term of at least three (3) years, with a loan amount equal to the discounted variable rate loan portion. |
| > Discount Variable Home Loan |
A substantially discounted rate in the first year to reduce payments and get new home buyers started. The loan then reverts to IMB's fully featured Standard Variable Home Loan. |
| > Budget Home Loan |
The IMB Budget Home Loan is a discounted variable rate home loan. It offers many of the features that normally appear in a fully featured loan but at a low cost. |
| > Budget Blue Home Loan |
The IMB Budget Blue Home Loan is a discounted variable rate home loan. It offers many of the features that normally appear in a fully featured loan but at a low cost and No Monthly Services Fee. |
| > Professionals Mortgage |
PM offers mortgage flexibility, life of loan rate discounts, full equity access, NO application, NO monthly or annual fees and a range of other Financial Services. |
| > Fixed Rate Home Loan |
Fix your interest rate for 1 to 5 years. |
| > Equity Line - Advantage |
You could save thousands of dollars by depositing your salary directly into your Equity Line Advantage to reduce the principal and interest amounts. Interest Rate set at a discounted rate for the full term of the loan. |
| > Standard Variable Home Loan |
The IMB Standard Variable Loan is a fully featured variable rate home loan that offers a highly attractive 100% interest offset facility. |
| > IMB Senior Home Equity Release Loan |
Reverse mortgages are one of the fastest growing sectors of the financial services market and are an ideal wealth management tool for retirees.
IMB’s reverse mortgage, the IMB Senior Home Equity Release Loan (SHERL)*, is provided through the Over Fifty Group and allows people over the age of 60 to access the equity in their property. |
| > Lo Doc Loan |
The IMB Lo Doc Home Loan is structured to assist borrowers who are self employed and are unable to provide the normal income documentation for a loan. All you need is to complete an Affordability Self Assessment form.
IMB's Lo Doc Home Loan also features a 100% Offset facility. |
| > Rural Residential Loan |
IMB's non-conforming Rural Residential Loan is for semi-rural lifestyles with non-traditional income sources. Designed for owner occupied or investment properties zoned rural in or near certain townships. The interest rate may rise or fall depending on the economic conditions. |
| > NewStart |
IMB's Non-conforming NewStart loan is ideal for those who have no or a poor credit history which affects their acceptability with conventional lending institutions. The interest rate may rise or fall depending on the economic conditions. |
Branches and offices
IMB has branches in ACT, New South Wales, Queensland, South Australia and Victoria.
IMB Home Loans Points of difference
For the ninth year in succession, the IMB has allocated $500,000 for community projects, bringing total allocations to the Foundation to $4.5 million.
The foundation has assisted community groups, chambers of commerce, local councils, educational institutions and service clubs.
Good mortgage brokers understand a broad range of lender preferences and that is why it is really useful to talk to a local mortgage broker about your specific situation. They will use their knowledge and specialized software to assist you in making the most informed decision. Simply put, a mortgage broker evaluates your situation against the lenders on their panel for the best deal. More information on how to pick a home loan or how to assess the right business loan is available right here on the X Inc. site.
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