If you have definite plans to commence building an investment property, a Gateway Construction Investment Loan can help you access funds for your construction as you need it.


If you’re looking to build your investment property your way, Gateway has a Construction Investment Loan to match. Borrow up to $2,000,000 to fund your build^, with no minimum term, no monthly or annual fees, and the flexibility of fee-free extra repayments available.

On top of making interest only repayments whilst you build, you’ll get free* redraw and an offset facility to help you save on interest costs, keeping more money in your pocket and potentially shortening the life of your loan. Plus, at the end of the construction period you can switch to a suitable fixed or variable Gateway loan at no cost.


Want to apply for a Gateway Construction Investment Loan online? In order to submit the application, you’ll need all of the following for all applicants:

  • The details of the property you wish to build
  • Your living expense figures
  • Details of your assets, income and liabilities
  • Statements for the last 3 months for your assets & liabilities
  • Your last 2 payslips or evidence of income statements
9.43 % p.a. Interest rate 9.50 % p.a. Comparison rate

Want to know more?

Product Features:

Home Loans
Establishment Fee : 200
Valuation Fee : $325
Annual Fee : $0
Monthly Fee : $0
Discharge Fee : $300
Redraw Facility : Yes
Offset Account : Yes
Loan Repayment Insurance : No
Additional Repayments Accepted : Yes
Additional Repayments Fee : $0
ATM/EFTPOS Access : No
Branch Access : Yes

Having trouble deciding what's right for you?

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

Gateway reserves the right to vary these interest rates at any time. Interest rates quoted are for new lending only. Existing borrowers should contact Gateway to discuss their requirements. 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. 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.

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 $7.50 staff assisted transaction 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.

^ Subject to lending criteria. Borrowing limit of up to 90% of security property value. LMI required if borrowing more than 80% of the security property value.
*When made using Online Banking