Our Low Rate Essentials Investment Home Loan gives you a great variable rate investment loan with no annual fees and flexibility to help you pay off your loan sooner.


Gateway Bank can help you achieve your investment goals with our Low Rate Essentials Home Loan. Offering all investment home buyers a low variable rate with no establishment, monthly or annual fees and the ability to make fee free extra repayments.

With the option to borrow up to 90%^ of the property value, and your choice of weekly, fortnightly or monthly repayments, you can secure the loan that suits you. Not sure if you want a fully variable rate? You can also split your loan across fixed* and variable rates. Plus, with the redraw facility, you can access any additional payments you make on your loan. Our Low Rate Essentials Investment Home Loan combines flexibility and affordability to make purchasing an investment property more accessible than ever.


What is a redraw facility?
Having an investment home loan with a redraw facility provides you the flexibility to make unlimited, fee free additional payments to your loan with the ability to withdraw these funds should the need arise. Any additional funds, whether it be leftover money at the end of each month or windfalls from bonuses or gifts, can be contributed to your redraw facility which helps reduce the interest you’ll pay on your loan. In addition, if you need emergency funds later down the track, you will be able to access these additional payments conveniently through Online Banking.

Want to apply for a Gateway Low Rate Essentials Investment Home 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 purchase
  • 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

Want to know more?

Product Features:

Home Loans
Establishment Fee : 0
Valuation Fee : $0
Annual Fee : $0
Monthly Fee : $0
Discharge Fee : $300
Redraw Facility : Minimum $500 per redraw
Redraw Fee : 0
Loan Repayment Insurance : No
Additional Repayments Accepted : Yes
Additional Repayments Fee : $0
ATM/EFTPOS Access : No
Branch Access : Yes
Split Loans : 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. Low Rate Essentials variable rate is available for a limited time only and may be varied or withdrawn at any time. This offer is available for new loans of $150,000 or more and top ups of $50,000 or more.

^Subject to lending criteria. LMI required if borrowing more than 80% of the security property value.
*Standard Investment Fixed Home Loan or Premium Package Investment Fixed Home Loan. The Redraw facility isn’t available on fixed rate loans.


  • 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
  • 2 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.
  • 3 A loan can be split up to 2 loan accounts without cost. Fees apply thereafter.