Our Premium Package Investment Home Loan offers you a competitive rate for the life of your loan with ultimate flexibility and special pricing on your investment property.


Choosing an investment property is an important and time-consuming decision, but one that can reap you rewards for many years. It makes sense to also spend time finding an investment home loan that compliments your asset with competitive rates, flexible features and extra package options – the Gateway Premium Package Investment Home Loan offers all this and more.


Combining competitive investment rates, an offset account, unlimited additional repayments with the option to redraw, and rate lock for 90 days on fixed loans, a Gateway Premium Package Home Loan offers what a savvy property investor needs. Plus, with the choice of weekly, fortnightly or monthly repayment options ensure that the Gateway Premium Package loan offers flexibility to meet your requirements.


Want to know more about the Gateway 100% Offset Account? By linking an Offset Account to your Premium Package Investment Home Loan, the balance in your Offset Account will help offset the amount of interest that is charged to your loan. This means that by depositing into your Offset account, you can reduce the interest you’ll pay over the life of your loan and potentially shorten the term of your home loan. Having your salary or rental funds 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 you pay on your loan.


With no 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^, a 100% Offset Account is one of the easiest ways you could save money and shorten the term of your loan. Control your loan and Offset Account with Online Banking and the Gateway app. Managing your loan, repayments and making payments and transfers has never been simpler.


Want to apply for a Gateway Premium Package Investment Home Loan online? You’ll need the following documentation 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 : Yes
Redraw Fee : $0
Offset Account : Yes, only on variable 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.

*A $299 Annual Fee applies
^Overseas transactions, Bank@Post and other fees may apply, refer to General Fees, Charges and Transaction Limits brochure for more information