IMB Bank home loan rates
Ranked by advertised rate, IMB Bank's lowest advertised rate we track is 6.29% advertised (6.32% comparison) on the Budget Home Loan - owner-occupier, P&I - 15th of 31 lenders we track. Rates as at 31 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.29% advertised (6.32% comparison) on the Budget Home Loan - owner-occupier, P&I; its lowest fixed home loan rate we track is 6.49% advertised (6.56% comparison) on the 1-year Fixed Rate Home Loan. Rates as at 31 Oct 2026.
We track 7 IMB Bank owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 31 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.29% on the Budget Home Loan - owner-occupier, P&I - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,710 a month (an arithmetic example, not a quote or an offer). Rates as at 31 Oct 2026.
IMB Bank since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
IMB Bank has changed 2 variable rates in its published data since:
- Budget Home Loan - owner-occupier, P&I5.99% → 6.29%(+30 bp)
- Essentials Home Loan - owner-occupier, P&I6.09% → 6.39%(+30 bp)
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
IMB Bank products (7)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Budget Home Loan - owner-occupier, P&IIMB Bank | Variable | 6.29% | 6.32% | 80% | link |
Essentials Home Loan - owner-occupier, P&IIMB Bank | Variable | 6.39% | 6.50% | 80% | link |
1-year Fixed Rate Home LoanIMB Bank | Fixed 1yr | 6.49% | 6.56% | — | link |
2-year Fixed Rate Home LoanIMB Bank | Fixed 2yr | 6.49% | 6.56% | — | link |
3-year Fixed Rate Home LoanIMB Bank | Fixed 3yr | 6.49% | 6.57% | — | link |
5-year Fixed Rate Home LoanIMB Bank | Fixed 5yr | 6.69% | 6.64% | — | link |
4-year Fixed Rate Home LoanIMB Bank | Fixed 4yr | 6.69% | 6.65% | — | link |
IMB Bank recent rate changes
7 of IMB Bank's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Budget Home Loan - owner-occupier, P&I6.24% → 6.29%(+5 bp)previous value last seen 22 Oct 2026
- Essentials Home Loan - owner-occupier, P&I6.34% → 6.39%(+5 bp)previous value last seen 22 Oct 2026
- 4-year Fixed Rate Home Loan6.39% → 6.69%(+30 bp)previous value last seen 1 Oct 2026
- 5-year Fixed Rate Home Loan6.39% → 6.69%(+30 bp)previous value last seen 1 Oct 2026
- 1-year Fixed Rate Home Loan6.24% → 6.49%(+25 bp)previous value last seen 1 Oct 2026
- 2-year Fixed Rate Home Loan6.24% → 6.49%(+25 bp)previous value last seen 1 Oct 2026
- 3-year Fixed Rate Home Loan6.24% → 6.49%(+25 bp)previous value last seen 1 Oct 2026
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