At Gateway, we understand that your needs and priorities change over the life of your loan and we want to ensure that our home loan solutions evolve to meet your changing needs. Our friendly team of lending specialists are here to help ensure your Gateway home loan continues to meet your needs and requirements and make the process of varying your loan as simple and easy as possible.

If you’re considering any of the following contact our lending specialists today:

  • Increase your current loan or borrow more money
  • Splitting your loan between fixed and variable
  • Switching your product (eg Low Rate Essentials to Premium Package)
  • If you’re considering purchasing a new home or investment property
  • Any other changes to your loan

If you’re looking to increase or top up your existing home loan and draw on the equity in your property to pay for renovations or other items, we’re here to help and want to make the process as simple as possible.

As an existing Gateway Home Loan borrower, if you’re looking to increase your home loan up to $150,000 and your LVR remains under 80%, we will only need the following information to support your application:

  • Proof of Income
  • Details of any debts that are being refinanced

Simply attach your supporting documentation to your application and email to

If you’d like to increase your home loan outside of these requirements, talk to one of our lending specialists to discuss your unique requirements.

If you’re considering splitting or switching your home loan between variable and fixed rates contact our lending specialists to discuss your options and create a solution that best suits your circumstances.

Want to know if a fixed or variable loan will suit your needs? Check out our handy explanation.

You can also view all of our Owner Occupier or Investment loans to easily see the features of our different types of loans. Don’t forget, if your home has existing environmentally friendly features, a NatHERS rating of 3 or higher, or a Residential Efficiency Scorecard rating of 3 or higher, you could be eligible for one of Gateway’s discounted Green Home Loans.


If you’re looking at buying a new property or invest in property contact our lending specialists to discuss your options and how our range of home loan products could help you in your next move.

It doesn’t matter if you’re looking for a low rate, an offset account, unlimited additional repayments with the option to redraw, fixed or variable loans or a home loan that gives you a discount for environmentally friendly features, Gateway will have the home loan to suit you.

Check out our Owner Occupied or Investment home loan options online, or simply contact our team to discuss the home loan that suits you.


If you’re looking to refinance your home or investment property to Gateway, we’re here to help. Our simple 3 step process will get you underway.

Refinancing to Gateway in 3 easy steps

  1. Submit this form + some details about your current loan
  2. You'll receive a call from our friendly team, and they'll talk you through what documents we need
  3. Send over your loan documentation + our team will arrange your refinance for you

No stress or hassle, our Customer Service staff will take care of all the hard work for you.


Don’t hesitate to reach out to our Customer Service staff with any queries or requests.

They can be contacted on 1300 302 474, can be reached on, or fill in this form and our team will reach out.


As an existing Gateway Member, we’re here to help make your life easier.
Have you considered all these time-saving features?