{
  "source": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/RM-1-6",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "RM-1-6",
    "effectiveFrom": "2021-02-01T00:00:00+11:00",
    "lastUpdated": "2026-07-09T00:00:00+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "3 year Fixed Rate Home Loan",
    "description": "The IMB Fixed Rate Home Loan gives you peace of mind with the security of fixed loan repayments. Fixed rate terms of 1-5 Years and up to 12 months repayments in advance without penalty",
    "brand": "IMB Bank",
    "applicationUri": "https://apply.online.imb.com.au/apply/applications/new/homeLoans/initialApplication/initialApplicationType",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.imb.com.au/home-loans/living-in/fixed-rate-home-loan",
      "termsUri": "https://www.imb.com.au/important-information",
      "feesAndPricingUri": "https://www.imb.com.au/help-centre/rates-and-fees"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and Mobile Banking App.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/mobile-app"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "IMB Alerts",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/imb-alerts"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Direct Credit",
        "additionalInfo": "Direct Credit is available on this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Receive Electronic Funds Transfers",
        "additionalInfo": "Receive Electronic Funds Transfers (EFT) to this account type."
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Branch",
        "additionalInfo": "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/branch"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Phone Banking Operator Assisted",
        "additionalInfo": "IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm",
        "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Scheduled Payments",
        "additionalInfo": "Receive only"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Split loan",
        "additionalInfo": "Split loan available."
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Free redraw via internet and mobile banking"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Up to 12 months repayments in advance without penalty"
      },
      {
        "featureType": "GUARANTOR",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.imb.com.au/home-loans/living-in/imb-family-guarantee-loan"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "2000",
        "additionalInfo": "$2,000 cashback for new purchase or refinance home loans. Loans from $250,000 to $499,999. Max LVR 80%. Entitlement to cashback is conditional on the loan being active for at least 12 months. 50% of the cashback is repayable if the loan is discharged within 12 months of the settlement date. Excludes: refinance of IMB loans, commercial, construction and bridging loans. Lending and eligibility criteria, T&Cs apply.",
        "additionalInfoUri": "https://www.imb.com.au/cashback"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "3000",
        "additionalInfo": "$3,000 cashback for new purchase or refinance home loans. Loans from $250,000 to $499,999. Max LVR 80%. Entitlement to cashback is conditional on the loan being active for at least 12 months. 50% of the cashback is repayable if the loan is discharged within 12 months of the settlement date. Excludes: refinance of IMB loans, commercial, construction and bridging loans. Lending and eligibility criteria, T&Cs apply.",
        "additionalInfoUri": "https://www.imb.com.au/cashback"
      },
      {
        "featureType": "CASHBACK_OFFER",
        "additionalValue": "4000",
        "additionalInfo": "$4,000 cashback for new purchase or refinance home loans. Min loan size $750,000. Max LVR 80%. Entitlement to cashback is conditional on the loan being active for at least 12 months. 50% of the cashback is repayable if the loan is discharged within 12 months of the settlement date. Excludes: refinance of IMB loans, commercial, construction and bridging loans. Lending and eligibility criteria, T&Cs apply.",
        "additionalInfoUri": "https://www.imb.com.au/cashback"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "10000"
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.9",
        "additionalInfo": "Applies to Interest Only loans"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.9",
        "additionalInfo": "Applies to Investment loans"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalValue": "NULL"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Borrowers must be Australian Citizens or permanent residents."
      },
      {
        "eligibilityType": "OTHER",
        "additionalValue": "Assessment",
        "additionalInfo": "Lending Criteria apply"
      }
    ],
    "fees": [
      {
        "name": "Loan Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "449.00"
        },
        "currency": "AUD",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.imb.com.au/important-information"
      },
      {
        "name": "Mortgage Processing Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.imb.com.au/important-information"
      },
      {
        "name": "Additional Valuation Fee ",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "At Cost",
        "additionalInfo": "If the loan is to be against more than one security, additional valuation costs will be collected at settlement.",
        "additionalInfoUri": "https://www.imb.com.au/important-information"
      },
      {
        "name": "Redraw Fee (free via internet and mobile banking)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Redraws are FREE via internet banking, otherwise a fee applies",
        "additionalInfoUri": "https://www.imb.com.au/important-information"
      },
      {
        "name": "Split Loan Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalValue": "For each additional loan",
        "additionalInfo": "Payable to IMB if a loan is split into more than one account.",
        "additionalInfoUri": "https://www.imb.com.au/important-information"
      },
      {
        "name": "Monthly Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfoUri": "https://www.imb.com.au/important-information"
      },
      {
        "name": "PEXA Transaction Service Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "At Cost",
        "additionalInfo": "Payable to the Property Exchange Australia for electronic lodgement of any transaction on title after settlement, including lodgement or discharge of mortgage or caveat."
      },
      {
        "name": "Additional Mortgage Processing Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for each additional new security property and added to the Mortgage Processing Fee."
      },
      {
        "name": "Amendment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when contract documentation is re-issued due to a change requested by a borrower."
      },
      {
        "name": "Guarantor Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "100.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for the preparation and processing of guarantee documentation when a loan includes a guarantor/s."
      },
      {
        "name": "Additional Loan Application Fee/Top-up Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "449.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for an application for an additional loan with no new security."
      },
      {
        "name": "Consent Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each time we are asked to consent to a request that affects the security property (e.g. a subsequent mortgage, lease, subdivision or transfer)."
      },
      {
        "name": "Default Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when a loan is in default because amounts due have not been paid on time."
      },
      {
        "name": "Discharge Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable each time we release and discharge a security property."
      },
      {
        "name": "Partial Discharge Processing Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we are asked to release a security property from a loan which has more than one security property. This fee covers the processing of this request and is payable in addition to the Discharge Fee and any other fees and charges that may apply."
      },
      {
        "name": "Portable Loan Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "600.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we are asked to replace an existing security property with a new security property."
      },
      {
        "name": "Switching Fee",
        "feeType": "VARIATION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we process a request to change to an interest rate type, product type or repayment type, including extending an interest only period and at the end of a fixed rate term."
      },
      {
        "name": "Break Costs",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": "99999.00"
        },
        "currency": "AUD",
        "additionalValue": "Advised at the time",
        "additionalInfo": "Payable on a fixed rate loan if the loan is repaid or switched before the end of the fixed rate period."
      },
      {
        "name": "Advance Repayment Costs",
        "feeType": "PAYMENT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": "99999.00"
        },
        "currency": "AUD",
        "additionalValue": "Advised at the time",
        "additionalInfo": "Payable on a fixed rate loan if extra loan repayments are more than 12 times the monthly repayment during the fixed rate period."
      }
    ],
    "lendingRates": [
      {
        "applicationType": "UPFRONT",
        "lendingRateType": "FIXED",
        "rate": "0.0624",
        "comparisonRate": "0.0632",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "<95% LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.01",
            "maximumValue": "0.95",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3Y",
        "additionalInfo": "For Owner Occupier loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      },
      {
        "applicationType": "UPFRONT",
        "lendingRateType": "FIXED",
        "rate": "0.0654",
        "comparisonRate": "0.064",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "<90% LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.01",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3Y",
        "additionalInfo": "For Owner Occupier loan purpose with Interest Only repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      },
      {
        "applicationType": "UPFRONT",
        "lendingRateType": "FIXED",
        "rate": "0.0634",
        "comparisonRate": "0.0656",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "<90% LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.01",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3Y",
        "additionalInfo": "For Investment loan purpose with Principal and Interest repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      },
      {
        "applicationType": "UPFRONT",
        "lendingRateType": "FIXED",
        "rate": "0.0654",
        "comparisonRate": "0.0662",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "<90% LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.01",
            "maximumValue": "0.9",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3Y",
        "additionalInfo": "For Investment loan purpose with Interest Only repayments. The comparison rate is based on a $150,000 secured loan for a term of twenty five years for all home loans. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.",
        "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
      }
    ]
  }
}