Variable
Budget Home Loan Variable
- Free redraw
- No annual fee
- Free extra repayments
Among the cheapest variable rates on the market in 2026
View current rate at IMB Customer-owned
IMB Bank
WollongongFounded 1880ACL/Banking Licence 237391
Strengths
- Customer-owned mutual structure
- Frequently among the cheapest variable rates on the market
- Strong Illawarra and Sutherland Shire branch presence
Watch out for
- Smaller product range
- Branch network concentrated in NSW
IMB products
Editorial reference covering the product range IMB offers and the structural strengths and trade-offs we observe in the market. For the current headline rate and comparison rate, click through to IMB\'s own rate card; the live number sits with them.
Home loans
Fixed 2yr
Fixed 2 Years
- Sharp fixed pricing
Other customer-owneds
Same lender category; compare side by side.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The IMB Bank rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
★★★★★4.9 across 320+ reviewsAustralian Credit Licence 505575Independent. Education first.