iMortgage Fusion Variable

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Headline interest rate p.a.
Comparison rate p.a.
Annual fee

Moneybuddy says

The Fusion loan from iMortgage has a low interest rate, plus no application fee and no annual fees!

The headline interest rate of 3.64% p.a. (3.79% p.a comparison rate) applies to borrowings of up to 80% of the purchase price.

The interest rate on borrowings between 80% and 90% of the purchase price is slightly higher at 3.92% p.a. (4.06% p.a. comparison rate). Which is still low for this type of home loan!

If you borrow over $500,000 you get a further 0.1% p.a. off the interest rates!

To apply for the Fusion Loan with any of the above mentioned LVR rates, click 'Apply Now' on this page.

There is also $0 application fees, $0 valuation fees on any standard Fusion Loan. iMortgage will also help guide you through the First Home Owners Grant application process.

Getting your home loan with iMortgage also gives you access to their Customer Benefits Program which has discounts and offers for many different items including hotel stays, dining, entertainment, computers and much more.

iMortgage even plant a tree for every new loan they give to a customer!

A tree, no application fees, no annual fees, a customer benefits program plus the low rate, what more could you want?!

The Basics

Max LVR 95.00%

Interest type Variable rate

Headline interest rate p.a. 3.64%

Comparison rate p.a. 3.79%

Annual fee -

The cool stuff: features

Draw down loan progressively -

Insurance details -

Loan is Transferable Yes

Line of credit available Yes

Product suits Owner - Occupier & Investor

The Facts & Figures

Introductory rate p.a. -

Introductory term -

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Interest rate (p.a.) 2 years -

Interest rate (p.a.) 3 years -

Interest rate (p.a.) 4 years -

Interest rate (p.a.) 5 years -

Interest rate (p.a.) 7 years -

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Interest rate (p.a.) 15 years -

Comparison rate (p.a.) 1 year -

Comparison rate (p.a.) 2 years -

Comparison rate (p.a.) 3 years -

Comparison rate (p.a.) 4 years -

Comparison rate (p.a.) 5 years -

Comparison rate (p.a.) 7 years -

Comparison rate (p.a.) 10 years -

Comparison rate (p.a.) 15 years -

Minimum loan term 25 years

Maximum loan term 30.00 years

Min loan amount $200,000

Max loan amount $2,000,000

Early repayments Yes

Redraw facility Yes

Repayment holiday -

Ability to split loan Yes

Extra repayments Yes

Offset account available Yes

Interest only payments Yes

The ugly stuff: fees

Application fee $0

Valuation fee -

Subsequent valuation fee -

Valuation fee details At cost - estimated at $260 per property (payment required following conditional approval)

Discharge fee -

Discharge fee details -

Legal fee $0

Settlement fee $0

Redraw fee $0

Comparison Rate Disclaimer Comparison rates quoted are based on a $150,000 loan amount over 25 years. WARNING: Comparison rates quoted are 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.

All product information comes from the product provider or an affiliate and to the best of our knowledge is correct at time of publishing. MoneyBuddy endeavours to keep product information up to date however we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. We recommend that you check the accuracy of all information provided on this website with the product provider. MoneyBuddy earns a referral fee from redirecting website users to a product provider's website. Further details are provided in relation to specific product information. Website users have no obligation to apply for a product or service that they may be referred to by this website.

Warning: These comparison rates are 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.

iMortgage says

iMortgage loans offer, $0 application, legal and valuation fees^, Low rate for the life of the loan, Free redraw, Flexible repayment options, New purchases or refinances, Owner occupiers or investors, Debit card / ATM access (iMortgage Fusion only), Exclusive customer benefits.

iMortgage provides home loans with flexibility and great features and a discounted rate for the life of the loan. We offer variable rates from just 3.64%pa (comparison rate 3.79%pa), suitable for all types of borrowers.

The iMortgage Essential is available up to 90% LVR, while the iMortgage Fusion is available up to 95% (including Lender's Mortgage Insurance). The iMortgage Fusion also offers low fixed rates.

Key features

  • $0 Application Fee
  • $120Annual Fee
  • Line Of Credit Available
  • Free Redraws
  • Unlimited Additional Repayments
  • Choose Weekly, Monthly or Fortnightly Repayments
  • Interest Only Option Available


  • $0 Application Fee
  • $0 Legal Fee
  • Borrow up to 90% of the purchase price
  • Customer Benefits Program
  • Carbon Conscious Loan

Terms & conditions

Headline interest rate is for home loans which borrow up to 80% of the purchase price. A higher interest rate applies to customers with lower deposit amounts. Discounts for low LVR loans apply to loans of $200,000 or more. Rate Loading and additional credit criteria apply for loans over 90% LVR. Redraw not available during fixed rate period. All applications are subject to normal lending criteria, fees and charges may apply. Rates updated May 26th, 2016 and are subject to change. Homeloans Limited ABN 55 095 034 003. Australian Credit Licence Number 247829. Trading as iMortgage. iMortgage Fusion and Fusion ProPack variable rates are based on a minimum loan size of $200,000. Surcharge for iMortgage Fusion and Fusion ProPack variable rate loans under $200,000 is 0.03%pa on loans with an LVR of above 80%, and 0.10%pa on loans with an LVR of less than 80%. All iMortgage Fusion and Fusion ProPack loans above 90% LVR attract a rate surcharge of 0.15%pa above the 80%-90% LVR rate. Terms & conditions, fees, charges and credit criteria apply.


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