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First Home Buyers Guide

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First home buyers guide

 

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Find the right home loan for you

Whether it's a no-frills low interest rate, or the full package with money-smart features, we've got you covered. 

Low Rate Essentials 

Our lowest variable home loan
 

2.56% pa1
Variable rate (up to 80% LVR, over $500k2)

2.59% pa
Comparison rate

  • No annual fee
  • Unlimited extra repayments
  • Free online redraw4
  • Option to split with a fixed rate loan

Apply

Premium Package 

Take advantage of thrifty extras
 

2.64% pa3
Variable rate (up to 80% LVR) 

2.98% pa
Comparison rate

  • 100% offset account on variable loans
  • Unlimited extra repayments
  • Free online redraw4
  • 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

2.96% pa1
Variable rate (up to 80% LVR, over $500k5)  

2.99% pa
Comparison rate

  • No annual fee
  • Unlimited extra repayments
  • Free online redraw4
  • Option to split with a fixed rate loan

Apply


Compare our full list of home loan interest rates

Other handy tools

Request a FREE suburb report 

Explore local property prices and lifestyle information >

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First Home Loan Deposit Scheme

Explore here >

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Gateway HomeHub

Our HomeHub blog is filled with more home buyer's tips and tricks;>

 


 

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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. 

If you would like more information, call us on 1300 302 474 (8am  6pm, Monday to Friday AEDT). 

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 loans with a loan to value ratio of less than 80% with principal and interest repayments. 

2 Special offer rate for Aggregate Owner-Occupied Borrowings with Gateway Bank over $500,000.

3 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. 

4 Redraw is only available on variable rate home loans and requests are subject to approval. Minimum redraw amount is $500. Fee-free redraws are only available through Online Banking, any other form of request will incur a $5 redraw fee. The available loan redraw amount is calculated by taking the sum of any additional loan repayments you may have made, less your next scheduled loan repayment.

Special offer rate for Aggregate Investor Borrowings with Gateway Bank over $500,000.