Whether you’re a first home buyer or simply looking to refinance to one of our great rates, our owner occupied home loans have you covered.

A multi-award winning home loan with flexible features and a competitive rate.

  • No establishment fee
  • 100% offset account available
  • Unlimited extra repayments
  • Up to 80% LVR (>$500K) 2.34%p.a. Interest rate
  • 2.68%p.a.
    Comparison rate

A multi-award winning home loan with flexible features and a competitive rate.

  • No establishment fee
  • Option to split variable and fixed loan options
  • Unlimited extra repayments
  • 3 year 2.04%p.a. Interest rate
  • 3.27%p.a.
    Comparison rate

Our most competitive home loan with great features allowing you to pay off your mortgage sooner.

  • Loan redraw facility available
  • No annual fees
  • Unlimited extra repayments
  • Up to 80% LVR (>$500K) 2.51%p.a. Interest rate
  • 2.54%p.a.
    Comparison rate

A Construction Loan gives you access to money as you need it for building or structural renovations. Giving you the ability to change your home as you progress through life's different stages. For building or structural renovations Gateway's Construction Loan has been specially designed for residential building projects, with progressive drawdowns and interest-only terms to suit.

  • 5 free progressive drawdowns
  • Loan Redraw facility available
  • 100% Offset Account available (during construction period)
  • 3.23%p.a. Interest rate
  • 3.29%p.a.
    Comparison rate

If you're looking to purchase vacant land, or refinance an existing land loan, but might not commence building within the next 12 months, the Gateway Land Loan could be a good option for you.

  • Make extra repayments without penalty
  • 100% Offset Account available
  • No ongoing fees
  • 4.43%p.a. Interest rate
  • 4.49%p.a.
    Comparison rate

Are you looking to unlock the equity in your home? 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 amount you use.

  • Convienient access to funds with a free visa debit card and ATM access
  • Ongoing low interest rate
  • No annual fees
  • 5.15%p.a. Interest rate

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. 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.

Special Offer Rate for Aggregate Owner Occupied Borrowings with Gateway Bank over $500,000.

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 $5 redraw 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.

A loan can be split up to 4 loan accounts without cost. Fees apply thereafter.


  • 1 Special Offer Rate for Aggregate Owner-Occupied Borrowings with Gateway Bank over $500,000.
  • 2 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.