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Buying your first home

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We'll be with you throughout your home buying journey

There’s a lot to think about when buying a home, so we’re here to keep it simple. 

We can provide you with the tips and tools to help you make financially smart decisions, which could result in you saving money in the long-run. 

Schedule a time to speak to one of our Lending Specialists. 

Arrange a call back

 

Popular home loan offers for first home buyers

Find the right home loan for you, whether it's a no-frills low interest rate, or the full package with money-smart features.

Low Rate Essentials 
Our lowest variable home loan
 

3.19% pa1
Variable rate (up to 80% LVR)

3.22% pa
Comparison rate

  • No annual fee
  • Unlimited extra repayments
  • Free online redraw
  • Borrow between $50,000 and $2 million
  • Option to split with a fixed rate loan

Apply

Premium Package 
Take advantage of thrifty extras
 

3.39% pa2
Variable rate (up to 80% LVR) 

3.71% pa
Comparison rate

  • 100% offset account on variable loans
  • Unlimited extra repayments
  • Free online redraw
  • Borrow from $150,000
  • Option to split with a fixed rate loan

Apply

Low Rate Essentials Investment
Get on the property ladder while renting in a location you love

3.47% pa2
Variable rate (up to 80% LVR)  

3.49% pa
Comparison rate

  • No annual fee
  • Unlimited extra repayments
  • Free online redraw
  • Borrow between $50,000 and $2 million
  • Option to split with a fixed rate loan

Apply


Compare our full list of home loan interest rates

 

Tools

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Repayment calculator

Get a better sense of your loan repayments >

Request a FREE suburb report 

Explore local property prices and lifestyle information >


 

Downloads

First Home Buyer's Guide

A comprehensive step-by-step eBook >

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Loan application checklist

The items we'll need when you apply >

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Home buyer terminology

Get up to speed with quick definitions >

 


 

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The Gateway difference

Established in 1955, we proudly service more than 30,000 Members Australia-wide. As a customer-owned bank, we’re committed to helping Australians create a more stable and prosperous financial future. We're focused on providing you with award-winning products, at affordable prices, and when it comes to those important financial decisions in life, we’re here to make your banking experience simple.

If you would like more information, please visit our branch at Level 10, 68 York Street, Sydney, NSW 2000 or call us on 1300 302 474 (8am  6pm, Monday to Friday AEST)

Arrange a call back

 

 

Things you should know:
Rates advertised only apply to loans with a loan to value ratio (LVR) up to 80% where principal and interest repayments are being made. For interest rates when the LVR is greater than 80%, visit our full list of home loan interest rates.
Comparison rates are calculated based on a loan amount of $150,000 over a 25 year term. WARNING: 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. Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are included in the loan offer. Fees and charges apply.
1 Low Rate Essentials variable rate discount offer is available for a limited time only and may be varied or withdrawn at any time. This offer is available for new loans and top ups of $50,000 or more on owner-occupier loans with a loan to value ratio of less than 80% with principal and interest repayments. 
2 Premium Package variable rate discount offer is available for a limited time only and may be varied or withdrawn at any time. This offer is available for new loans of $150,000 or more and top ups of $50,000 or more on owner-occupier loans with a loan to value ratio of less than 80% with principal and interest repayments.