Gateway Bank's Green Plus Home Loan, rewarding homes with a 7 Star or higher NatHERs certification with a 0.25% discount off our standard Premium Package Home Loan1 rate.


At Gateway we’re committed to doing the right thing for our Members’ pockets and their planet.  That’s why we’ve introduced the Green Plus Home Loan which is designed to reward homeowners who have invested in making their home energy efficient and reduced their impact on the environment with a 0.25% discount off our standard Premium Package Home Loan1 rate.


If you are buying, building or upgrading your home to a 7 Star NatHERs rated energy efficient home, our Green Plus Home Loan could be for you. If your home already has the 7 Star certification and you would like to take advantage of our rewarding rate, give us a call or apply online to refinance your existing loan to our Green Plus Home Loan.


Our Green Plus Home Loan offers all the flexibility and benefits of our Premium Package Home Loan, including a 100% Offset with Eco Debit Card, redraw, unlimited repayments and a 0.10% bonus on Term Deposit rates.


Am I eligible?

To be eligible for Gateway’s Green Plus Home Loan, the property must have a Nationwide House Energy Rating Scheme (NatHERS) rating of 7 Stars or higher for energy efficiency. This needs to be evidenced with a NatHERS Certificate from a certified NatHERS Assessor. New builds or construction plans that have been certified with a 7 Star NatHERS rating are also eligible. For security property in the ACT, which has its own system for energy rating, a certificate from a rater licensed in the ACT showing at least a 7 Star rating is also acceptable.


We are rewarding home owners who have taken measures to reduce their property’s environmental impact with a 0.25% discount from our standard Premium Package Home Loan1. The Green Plus Home Loan offers 100% Offset Account with a linked Visa Eco Debit Card, redraw and flexible repayment options of weekly, fortnightly or monthly. 


Want to know more about the Gateway 100% Offset Account? By linking an Offset Account to your Green Plus Home Loan, the balance in your Offset Account will offset against the balance of your home loan, reducing the interest you’ll pay and potentially shortening the term of your loan. Having your salary deposited directly into your Offset Account is a great way to make your money work harder for you. Any funds, no matter how small, helps to reduce the interest on pay your loan.


A 100% Offset Account comes without account keeping or service fees, whilst still giving you the flexibility of 24/7 access to your funds when you need them with a Gateway Visa Debit Card.


Does your property not meet the eligibility criteria for a Green Plus Home Loan? You may still be eligible for a Green Home Loan.


Want to apply for a Gateway Green Plus Home Loan online? You’ll need the following documentation to complete and submit the application:

  • The details of the property you wish to purchase
  • NatHERS Energy Efficiency Certificate (7 Stars or higher)
  • Your living expense figures
  • Details of your assets, income and liabilities
  • Statements for the last 3 months for your assets & liabilities
  • Your last payslip or evidence of income statement
2.34 % p.a. Interest rate 2.68 % p.a. Comparison rate

Want to know more?

Product Features:

Home Loans
Establishment Fee : $0
Valuation Fee : $0
Annual Fee : $299
Monthly Fee : $0
Discharge Fee : $300
Redraw Facility : Yes
Redraw Fee : $0
Offset Account : Yes
Additional Repayments Accepted : Yes
Additional Repayments Fee : $0
ATM/EFTPOS Access : No
Branch Access : Yes
Split Loans : Yes
Base Interest Rate : 4.02% pa
Base Comparison Rate : 4.33% pa
Criteria : Must have a 7-star energy efficiency rating from NATHERS and provide us with a certificate from a certified NATHERS assessor.

Having trouble deciding what's right for you?

Use our comparison tool to help find the best home loan for you.

Loan Repayments Calculator

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.

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 example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

1 The Green Plus Home Loan interest rate is linked to the Premium Package base rate 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.

^Earn an extra 0.10%p.a. on your Term Deposit accounts and enjoy a 10% discount off CGU General Insurance premiums


  • 1 Applies to standard single residential dwellings to $1 million in Metro locations and $500,000 in Regional locations (maximum land area 2.2ha/5 acres). An additional valuation fee may apply for non-standard properties