Have a question about our home loans? We may have your answer. Check out our Frequently Asked Questions here.
At Gateway, we don’t believe banking should cost the earth, that’s why we’ve created Home Loans designed to reward customers who have made the commitment to live in a home that is gentler on the environment. We offer the Green Plus Home Loan for energy efficient homes with a certified 7 Star rating from NatHERS or Residential Efficiency Scorecard, and a separate Green Home Loan package for homes that have a Residential Efficiency Scorecard rating between a minimum 4 Star up to a maximum 6 stars, and those that have not been certified but contain a wide range environmental and energy efficient elements.
Offering the same flexibility and benefits as our Premium Package Home Loan, our Green Loans offer a discounted rate to reward the levels of environmental features on your home. You can also feel good knowing that the interest from your loan does not fund industries that harm the environment, including the fossil fuel, deforestation, tobacco, gambling or live export industries. Read more about our Ethical Banking and Ethical Investing policies here.
The Green Plus Home Loan rewards borrowers with a 0.25% discount from our Premium Package Home Loan1 when they have invested in energy efficiency measures that receive a 7 Star NatHERS Energy Efficiency rating or a 7 star Residential Efficiency Scorecard rating. This loan is designed to help borrowers save money on their home loan as a reward for their efforts to reduce energy consumption and minimize their impact on the environment. As this loan is available for the purchase of existing homes, planned new builds and refinancing your eco home, the benefits and discounted rate of the Green Plus Home Loan has never been more accessible.
The Green Home Loan is designed to enable borrowers to benefit from making impactful environmental upgrades to their home. A Residential Efficiency Scorecard rating between a minimum 4 Star up to a maximum 6 stars or a minimum of three of a wide range of features that make your home more energy efficient could make you eligible for a 0.15% reduced rate from our Premium Package Home Loan2. This could be a simple as solar panels, water storage and double-glazed windows. Read more about our Green Home Loan for a full list of all the eligible environmental features and all the benefits of the loan can offer you, no matter if you’re buying, building or refinancing.
Looking to renovate? Whether you’re upgrading the home you currently own or buying a fixer upper there are some things to consider.
Gateway has been recognised by leading finance comparison site Mozo for our Green Plus Home Loan. It was selected as the Experts Choice in the Green Home Loan category, beating more established lenders in this space.
Say goodbye to paying with plastic as we launch Australia’s first Eco Debit Card, supported by two new Green Home Loans and an Eco Personal Loan.
Gateway are now offering the flexibility to pay for Lender's Mortgage Insurance monthly. This helps meets the needs of buyers struggling to save for a deposit.
Our Ethical Banking and Ethical Investment Policies determine how we use our Members’ money in an ethical and responsible manner in line with our purpose.
Lenders Mortgage Insurance or LMI is a one off insurance premium on your home loan when you have less than 20% deposit, allowing you to enter the market.
Gateway Bank is pleased to announce that it has now been certified as Carbon Neutral by Climate Active, a partnership between the Australian government and the business community that drives voluntary climate action.
Gateway Bank is proud to be certified as a Carbon Neutral company by Climate Active. It supports our commitment to the planet and ensures we continue to live up to our values and purpose.
When considering renovating your home, it’s critical you do your ROI calculations upfront so you understand the investment cost and time required.
Are you looking for your first home? We look at how the First Home Loan Deposit Scheme (New Homes) works and who is eligible for a place in the Scheme.
Compare potential properties easily and efficiently with our home inspection checklist. Simply print the checklist and take it along to your open houses.
The comparison rate takes into account the interest rate and 'ascertainable fees & charges' associated with the loan to help you identify the true cost of a loan.
Homebuyers are now required to pay GST to ATO at settlement. This might seem like another cost, but don’t let it deter you from buying your dream home.
During the busy selling and buying season, competition can be fierce. Whether you’re buying or selling a house, these top tips will have you springing ahead.
Our guide on strategies to help you buy your first home. Helping you through the entire process from budgeting through to making an offer and moving in.
Rates advertised apply to principal and interest repayment types only. Interest rates quoted are for new lending only. Existing borrowers should contact Gateway to discuss their requirements. Gateway reserves the right to vary these interest rates at any time. 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 The Green Plus Home Loan interest rate is linked to the Premium Package base rate and will have a 0.25%pa discount from Gateway’s Premium Package Variable Rate (LVR up to 80%) Home Loan. This does not apply to Special Offer Premium Package interest rates.
2 The Green Home Loan interest rate is linked to the Premium Package base rate and will have a 0.15%pa discount from Gateway’s Premium Package Variable Rate (LVR up to 80%) Home Loan. This does not apply to Special Offer Premium Package interest rates.
