RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Example Interest Rates: Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.44% (6.26%*) • Fixed: 5.44% (6.26%*) • Variable: 5.38% (6.14%*) • Investment IO: 5.69% (6.52%*) • Investment PI: 5.49% (5.98%*)

  Fully Drawn Commercial Loan

IMB’s Fully Drawn Commercial Loans are designed with flexibility to help you achieve your business goals, whether it’s to establish your business or grow your investments. IMB’s commercial loan options include fixed or variable interest rates or a combination of both.
Category: Business Loans  Last Updated September 4, 2024  Effective December 18, 2024

 General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information Residential Security
Interest Rate
6.25% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  >60% LVR
Minimum: 0.61 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.45%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <60% LVR
Minimum: 0.01 PERCENT Maximum: 0.6 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.25%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  >60% LVR
Minimum: 0.61 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.35%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  <80% LVR
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.95%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  <80% LVR
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.85%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  <80% LVR
Minimum: 0.01 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.69%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 7.24%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose: Investment

 Product Features

  • Redraw
  • Digital Banking Additional Information: Internet Banking and Mobile Banking App.
  • Notifications Additional Information: 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 Additional Information: Direct Credit is available on this account type.
  • Other Additional Information: Receive only
  • Other Additional Information: Receive Electronic Funds Transfers (EFT) to this account type.
  • Other Additional Information: IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
  • Other Additional Information: IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
  • Other Additional Information: Split loan available.
  • Npp Enabled Additional Information: This account type is enabled to recieve Osko payments, via the New Payments Platform (NPP) only. Osko is the faster way to receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can be paid in a matter of seconds
  • Extra Repayments Additional Information: Unrestricted additional repayments for variable loans
  • Extra Repayments Additional Information: Up to 12 months repayments in advance without penalty for fixed loans

 Product Eligibility

  • Business
  • Other Additional Information: Lending criteria, terms and conditions apply

 Bank Fees and Charges

  • Monthly Fee (Periodic), Amount: 30.00.
  • Application Fee (Upfront), Amount: Not Listed.. Additional Information: Percentage of the facility limit
  • Other Fees And Charges Apply (Variable), Amount: 0.00. Additional Information: Lending criteria, terms and conditions, fees and charges apply to IMB commercial loan. A full list of fees and charges applicable to your loan will be provided on application.

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000
  • Max Limit of 5000000

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

■ ■ ■

 
Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.
Finance Guide, Cropped Top and Bottom
  Timezone: 1 · [ CHANGE ]

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General Enquires: 1300 235 433 • Support: (02) 8765 8887
The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]
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