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Home Loan Interest Rates

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Interest rates for new home loans as at  

 


 

Premium Package Home Loan

Interest Rate

Comparison Rate

Variable Rate (LVR up to 80%)1

3.05% pa

3.38% pa

Variable Rate (LVR over 80%- 85%)1

3.10% pa

3.43% pa

Variable Rate (>85% LVR)1

3.25% pa

3.58% pa

1 Year Fixed Rate2

2.79% pa

3.58% pa

2 Year Fixed Rate2

2.49% pa

3.48% pa

3 Year Fixed Rate2

2.89% pa

3.52% pa

5 Year Fixed Rate2

3.19% pa

3.58% pa

Low Rate Essentials Home Loans

Interest Rate

Comparison Rate

Variable Rate (LVR up to 80% and over $500k)3, 6 2.76% pa 2.79% pa

Variable Rate (LVR up to 80%)3

2.81% pa

2.84% pa

Variable Rate (LVR over 80%- 85%)3

2.84% pa

2.87% pa

Variable Rate (>85% LVR)3

4.10% pa

4.12% pa

Standard Variable Rate Home Loan

Interest Rate

Comparison Rate

Variable Rate

4.48% pa

4.54% pa

Standard Fixed Rate Home Loans

Interest Rate

Comparison Rate

1 Year Fixed Rate Home Loan4

3.68% pa

4.46% pa

2 Year Fixed Rate Home Loan4

3.78% pa

4.41% pa

3 Year Fixed Rate Home Loan4

3.88% pa

4.38% pa

5 Year Fixed Rate Home Loan4

3.98% pa

4.33% pa

Land Loan

Interest Rate

Comparison Rate

Variable Rate

4.48% pa

4.54% pa


The following interest rates are for Principal & Interest repayments. For Interest Only rates, click here

Premium Package Home Loan

Interest Rate

Comparison Rate

Variable Rate (LVR up to 80% and over $500k)1, 5

3.09% pa

3.42% pa

Variable Rate (LVR up to 80%)1

3.33% pa

3.65% pa

Variable Rate (LVR over 80% - 85%)1

3.74% pa

4.06% pa

Variable Rate (LVR over 85% - 90%)1

3.74% pa

4.06% pa

1 Year Fixed Rate2

3.09% pa

3.88% pa

2 Year Fixed Rate2

3.09% pa

3.84% pa

3 Year Fixed Rate2

3.19% pa

3.82% pa

5 Year Fixed Rate2

3.49% pa

3.88% pa

Low Rate Essentials Home Loans

Interest Rate

Comparison Rate

Variable Rate (LVR up to 80% and over %500k)3, 5

3.04% pa

3.07% pa

Variable Rate (LVR up to 80%)3

3.13% pa

3.16% pa

Variable Rate (LVR up to 85%)3

4.44% pa

4.46% pa

Variable Rate (>85% LVR)3

4.84% pa

4.86% pa

Standard Variable Rate Home Loan

Interest Rate

Comparison Rate

Variable Rate

5.18% pa

5.24% pa

Standard Fixed Rate Home Loans

Interest Rate

Comparison Rate

1 Year Fixed Rate Home Loan4

4.04% pa

5.13% pa

2 Year Fixed Rate Home Loan4

4.14% pa

5.04% pa

3 Year Fixed Rate Home Loan4

4.24% pa

4.99% pa

5 Year Fixed Rate Home Loan4

4.34% pa

4.89% pa

Land Loan

Interest Rate

Comparison Rate

Variable Rate

5.18% pa

5.24% pa


 

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Things you should know:

Rates advertised apply to principal and interest repayment types only. Gateway reserves the right to vary these interest rates at any time. 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. Applications for finance are subject our standard credit assessment criteria. Full terms and conditions are included in the loan offer. Fees and charges apply.
1 Premium Package variable rate special offers are available for a limited time only and may be varied or withdrawn at any time. These offers are available for new loans of $150,000 or more and top ups of $50,000 or more on owner-occupier loans with principal and interest repayments. 
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.
3 Low Rate Essentials variable rate special offers are available for a limited time only and may be varied or withdrawn at any time. These offers are available for new loans and top ups of $50,000 or more on owner-occupier loans with principal and interest repayments.
4 Standard Fixed Rate Home Loans revert to the Standard Home Loan Variable Rate/Standard Investment Home Loan Variable Rate upon expiry of fixed rate term.
5 Special Offer Rate for Aggregate Investor Borrowings with Gateway Bank over $500,000.
6 Special Offer Rate for Aggregate Owner-Occupied Borrowings with Gateway Bank over $500,000.