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Interest Rate Changes

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Gateway Bank has today announced an increase of 0.12% p.a. to variable interest rates across all of its owner-occupier and investment home loan products. 

The changes will be effective from Thursday, 12 January 2017, and are summarised in the table below:




Premium Package Variable Home Loan

0.12% p.a.


12 January 2017


Low Rate Essentials

Standard Variable Home Loan

Construction Loan

Land Loan

EquitiSmart Line of Credit

Gold Pathway

Better Basics

Homebase Wealth Access

Why has Gateway decided to increase its variable interest rates?

You may be aware that a number of financial institutions have recently increased their home loan interest rates. Like all lenders Gateway has been adversely impacted by regulatory changes and increased funding costs. These factors have dictated our need to raise our home loan interest rates. 

This was not an easy decision, but required careful consideration in balancing both Member needs and the long term sustainability of Gateway to continue to provide great products and services. In the context of the current environment we consider our decision to be fair and appropriate. Rest assured we are committed to providing competitively priced products for our Members.


What do I need to do?

In due course you will receive a letter from us that contains further information. It will specify if any action is required. 



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