Our Premium Package Fixed Rate Investment Home Loan offers you the certainty of a fixed rate to help meet your investment plans. A competitive rate for the life of your loan, combined with a range of special features to give you security and flexibility, makes for a great combination to support your asset.


A fixed interest rate from Gateway Bank on your investment property gives you the security of being able to plan for the future. Choosing from a 1, 2, 3 or 5 year fixed rate gives you the certainty of knowing your repayments, regardless of rate changes, for the period that suits you and your investment goals.

To help you pay off your loan sooner, unlimited extra repayments are available to you fee-free. With flexible repayment options, you can organise your Fixed Rate Home Loan the way that suits you and your lifestyle without the fear of variable interest rate increases.


Not sure you if you want to commit to a fixed rate? Consider splitting your investment home loan instead. A split home loan gives you the option to have a fixed rate for a portion of your loan, and a variable rate for the balance. For example, a $500,000 home loan split with a ratio of 60:40 fixed to variable would give you $300,000 at a fixed rate and the remaining $200,000 with a variable rate. At the end of the fixed-rate period, you can choose to split again or move to 100% fixed or 100% variable.


Want to apply for a Gateway Premium Package Fixed Investment Home Loan online? Having the following documentation handy will help you to complete and submit the application:

  • 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 : $299
Discharge Fee : $300
Fixed Rate Loan Break Fee : Yes
Redraw Facility : Minimum $500 per redraw
Redraw Fee : 0
Offset Account : Offset not available on fixed loans
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. Premium Package 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.


  • 1 Premium Package Fixed Rate Home Loans revert to the Premium Package Index Rate A/Investment Premium Package Index Rate A upon expiry of fixed rate term.
  • 2 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
  • 3 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.
  • 4 A loan can be split up to 2 loan accounts without cost. Fees apply thereafter.