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.


  • Convenient access to funds with a free visa debit card and ATM access
  • No annual fee
  • An ongoing low interest rate
  • No minimum repayments, balance must be maintained below credit limit
9.50 % p.a. Interest rate

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.