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IMB Home Loan Rate Check - Receive Cheque for $135 - Only First 500 People

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IMB are currently doing a promotion if you book an appointment with their home loan specialist and conduct a rate review (basically they see what deal they could do you) they give you a cheque for $135. I was a bit sceptical but went along yesterday was there for 30 mins and walked out with a cheque for $135.

To be clear you must have a current home loan with a provider to qualify.

All I had to take was a group certificate, payslips and print out from my home loan. I was interested in a owner occupier loan it is restricted to this type of home loan (not investment loans).

The only downside is it says restricted to 500 people and there is no counter so not sure how many are left so I would ask if the offer is still open when you book an appointment.

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  • So… is the home loan a better deal than what you have now?

    • Yes it was, currently on 4.59% and they offered 4.07%, now trying to get my lender to match.

      • Is that with offset account?

  • +1

    Seems they only have branches in Vic, NSW and ACT.

    • It is primarily an Illawarra (Wollongong) based bank. It's good they are "branching" out though :)

      • Yes, they are actually the Illawara Mutual Bank, but seem to be on an expansion drive now. The branch in sydney CBD looks pretty new to me.

  • Cheers, I have filled a form for a mobile lender to come visit me. lets see how it goes

    • Me too… in regional WA.

      I'm hoping we can talk over the phone.

      • "Cheque's in the mail" :)

      • shouldn't be a problem, I got my first home without ever going to into a branch, over the phone and email.

        • Yeah, I got my second mostly online via Bankwest.

        • Nope. Just heard from them, they are only offering the $135 for face to face meetings.

  • +1

    can it be investment loan?

    • No it's Owner Occupier only.

      • Cheers I have edited to make this clear.

  • +1

    I had to pay lmi to buy my property last year.
    Unfortunately not below 20% of house paid yet.
    Cannot easily refinance because I heard I would need to pay lmi again.
    Bankwest charging me 6.57% with offset.
    Do you think worth it talk to these guys to get a cheque?
    Owner occupied.

    • Can you change to a better Bankwest product without paying LMI again?

      • They said no. :-(

    • 6.57% is a very high rate for a home loan! PM me if you would like us to speak to Bankwest on your behalf to see if anything can be done.

      NB: We are Perth based mortgage brokers and don't charge for our service

      • +1

        I am sorry. My interest rate is 4.67%

        • They do have better rates on offer still, send a PM if you want me to check it out so we can make sure there is nothing excluding you.

  • 6.57 is a freaking rort!

  • $135 for a 30~40 min face-to-face chat.
    Not bad.

  • yeah 30 min - $135

    • Was the cheque given straight after the meeting? Were they pushing their product on you or just general chat? Having mine today

      • hey, can you update after yours? is there lots of pressure? cheers

        • No pressure in pushing their product. Whole appointment didn't take too long. I guess it depends if you want to go ahead with them or not.

        • No pressure..

      • yeah the guy came with cheque… he gave me the cheque after meeting

  • thanks all for the update

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