Are you looking to unlock the equity in your investment property? Our EquitiSmart Line of Credit is the smart way to access credit, with a pre-approved limit, funds available when you need, and interest charged only on the funds you use.


Meet the changing needs in your life by accessing the equity in your investment property. You can access up to 80% of the security property’s value, and use the funds for any worthwhile purpose, including renovations, making additional investments or tend to other immediate expenses. Get the best of both worlds by splitting your home loan balance between separate fixed and variable rate accounts.

With no annual or monthly fees, no draw down fees, and with no minimum repayments required, as long as the loan balance is maintained within the approved limit, an EquitiSmart Line of Credit gives you access to the equity in your investment, without the need to sell your property.


How does the EquitiSmart Line of Credit work?

  • Draw funds from a pre-approved amount of credit from the equity of your home loan whenever you need.
  • You only pay interest on what you’ve used from your available credit. For example, if you had a $100,000 line of credit and you drew down $20,000, then you will only be charged interest on that $20,000. The interest would typically be added to the loan each month.
9.92 % p.a. Interest 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 : NA
Loan Repayment Insurance : No
Additional Repayments Accepted : Yes
Additional Repayments Fee : $0
ATM/EFTPOS Access : Yes
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.