RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%

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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

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RESOURCES LIBRARY

PROPERTY REPORTS

RATES FROM 4.79% (5.47%^*)

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 November 17, 2025 Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED INVESTMENT product. Additional Information 2 year fixed rate - Residential Security

Interest Rate
5.69% 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 vary based on the LVR and other conditions..

5.94% (0.00%*), <80% LVR, 0.01% - 0.8% INV

Lending Rate Type: Variable
Interest Rate: 5.94%, Comparison Rate 0.00%
Repayment Type:
Loan Purpose: Investment

6.20% (0.00%*), <80% LVR, 0.01% - 0.8% INV

Lending Rate Type: Variable
Interest Rate: 6.20%, 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

Min Lvr of 0

Max Lvr of 0.8

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