Our Premium Package Home Loan offers you a competitive rate for the life of your loan with ultimate flexibility and special pricing on a range of other products and services^.


When buying your home, you’re looking for a property that ticks all the boxes – so it makes sense to secure a home loan that ticks all the boxes too. It doesn’t matter if you’re looking for a low rate, an offset account, unlimited additional repayments with the option to redraw, a Gateway Premium Package Home Loan offers all these features and more. Combining all these features with flexible repayment options of weekly, fortnightly or monthly, the Gateway Premium Package loan has something for every home buyer.


Want to know more about the Gateway 100% Offset Account? By linking an Offset Account to your Premium Package home loan, the balance in your Offset Account will offset against the balance of your home loan, reducing the interest you’ll pay and potentially shortening the term of your home loan. Having your salary 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.


A 100% Offset Account comes without 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.


Want to apply for a Gateway Premium Package 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
Monthly Fee : $0
Discharge Fee : $300
Fixed Rate Loan Break Fee : Yes
Redraw Facility : Minimum $500 per redraw
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.

^Earn an extra 0.10%p.a. on your Term Deposit accounts and enjoy a 10% discount off CGU General Insurance premiums


  • 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.