3 year Fixed Rate Home Loan

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 6.34%, Comparison Rate 6.42%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.89%, Comparison Rate 6.69%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 6.19%, Comparison Rate 6.78%
• Repayment Type: Interest Only
• 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 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: Receive only

• Other Additional Information: Split loan available.

• Other Additional Information: Free redraw via internet and mobile banking

• Extra Repayments Additional Information: Up to 12 months repayments in advance without penalty

• Guarantor Additional Information: A Family Guarantee allows family to assist their children in the purchase of a property without actually providing a cash gift or cash loan. It could also allow borrowers to include some of the costs of purchasing, such as stamp duty and legal costs in the loan amount.

• Cashback Offer Additional Information: Enjoy up to $4,000 cashback for new purchase or refinance home loans. Min loan size $250,000 and Max LVR 80%. Lending and eligibility criteria, T&Cs apply.

 Product Eligibility

• Min Age - 18.

• Natural Person

• Residency Status - Borrowers Must Be Australian Citizens Or Permanent Residents..

• Other - Assessment. Additional Information: Lending Criteria apply

 Bank Fees and Charges

• Loan Application Fee (Upfront), Amount: 449.00. Additional Information: Application fee includes one valuation. Valuation costs over & above single/primary security are to be covered by the borrower. Other fees and charges may apply.

• Mortgage Processing Fee (Upfront), Amount: 350.00.

• Additional Valuation Fee (Variable), Amount: 0.00. Additional Information: If the loan is to be against more than one security, additional valuation costs will be collected at settlement.

• Redraw Fee (free Via Internet And Mobile Banking) (Event), Amount: 50.00. Additional Information: Redraws are FREE via internet banking, otherwise a fee applies

• Split Loan Fee (Event), Amount: 100.00. Additional Information: Payable to IMB if a loan is split into more than one account.

• Other Fees And Charges May Apply. (Variable), Amount: 0.00. Additional Information: A full list of fees and charges will be provided if loan is approved.

• Monthly Fee (Periodic), Amount: 6.00.

• Pexa Transaction Service Fee (Event), Amount: 0.00. Additional Information: Payable to the Property Exchange Australia for electronic lodgement of any transaction on title, including lodgement or discharge of mortgage or caveat. This fee may be changed by Property Exchange Australia at any time or due to additional encumbrances on title or changes in circumstances.

 Limitations & Restrictions (Constraints)

• Min Limit of 10000

• Max Limit of 0 Additional Information: Up to 95% of the property value