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Premium Package Home Loan

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2.79% pa
Variable Rate (LVR up to 80% and over $500k)*^

3.12% pa
Comparison Rate

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Our Premium Package Home Loan not only rewards you with a competitive rate for the life of your loan, but also special pricing on a range of other products and services – all for just one low annual fee.

  • $500,000 minimum loan amount
  • No establishment fee
  • Loan Redraw available
  • Pair with 100% Loan Offset Account
  • Earn an extra 0.10%p.a. on your Term Deposit accounts
  • Make extra repayments without penalty
  • Option to split variable and fixed loan options
  • Take advantage of our current interest rate lock for up to 90 days
  • $299 annual package fee
  • Refer to our loan fees for set up costs

 


3.09% pa
Variable Rate
(LVR up to 80% and over $500k)*^

3.42% pa
Comparison Rate

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Gateway's Premium Package combines our lowest variable and fixed rates with plenty of extra benefits, including the flexibility to split your investment loan. Our Premium Package not only rewards you with a competitive rate for the life of your loan, but also special pricing on a range of other products and services – all for just one low annual fee.

  • No establishment fee
  • Loan Redraw available
  • Pair with 100% Loan Offset Account
  • Earn an extra 0.10%p.a. on your term deposit accounts
  • Discounts on CGU Insurance
  • Make extra repayments without penalty
  • Option to split variable and fixed loan options
  • Take advantage of our current interest rate lock for up to 90 days
  • $299 annual package fee
  • Refer to our loan fees for set up costs

 


 


3.29% pa
Variable Rate
(LVR up to 80% and over $500k)*^

3.61% pa
Comparison Rate

Apply OnlineMake an appointment


Minimise your repayments in the short-term with an interest-only investment loan. Compare our full range of interest only loans.


 

 

 


 

  Owner-Occupier Product Features:
Premium Package (Owner Occupier)
Featured Interest Rates
Variable interest rate3.05% pa
Comparison rate3.38% pa
Owner Occupier (Principal and Interest)
Up to 80% LVR over $500k (Special Offer) - Principal Interest - Variable Interest Rate2.79% pa
Up to 80% LVR over $500k (Special Offer) - Principal Interest - Comparison Rate3.12% pa
Up to 80% LVR (Special Offer) - Principal Interest - Variable Interest Rate3.05% pa
Up to 80% LVR (Special Offer) - Principal Interest - Comparison Rate3.38% pa
(80% - 85% LVR) - Variable Interest Rate3.10% pa
(80% - 85% LVR) - Comparison Rate3.43% pa
(85% - 95% LVR) - Variable Interest Rate3.25% pa
(85% - 95% LVR) - Comparison Rate3.58% pa
1 Year Fixed - Interest Rate2.79% pa
1 Year Fixed - Comparison Rate3.58% pa
2 Year Fixed Rate - Interest Rate 2.49% pa
2 Year Fixed Rate - Comparison Rate 3.48% pa
3 Year Fixed - Fixed Interest Rate2.89% pa
3 Year Fixed - Comparison Rate3.52% pa
5 Year Fixed Rate3.19% pa
5 Year Comparison Rate3.58% pa
Variable Base Rate4.02% pa
Base Comparison Rate 4.33% pa
Fees
Establishment fee$0 
Valuation Fee $$0 1
Monthly fee$0 
Annual fee$299 
Discharge fee$300 
Redraw fee$0 
Fixed rate loan break feeYes 
Features
Redraw facilityMinimum $500 per redraw 
Offset accountYes, only on variable loans 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee $$0 
ATM/EFTPOS accessNo 
Branch accessYes 
  Investment Product Features:
Premium Package (Investment)
Featured Interest Rates
Variable interest rate3.33% pa
Comparison rate3.65% pa
Investment Loan (Principal and Interest)
Investment Loan - (Up to 80% LVR and over $500k) - Variable Interest Rate3.09% pa
Investment Loan - (Up to 80% LVR and over $500k) - Comparison Rate3.42% pa
Investment Loan - (Up to 80% LVR) - Variable Interest Rate3.33% pa
Investment Loan - (Up to 80% LVR) - Comparison Rate3.65% pa
Investment Loan - (80% - 85% LVR) - Variable Interest Rate3.74% pa
Investment Loan - (80% - 85% LVR) - Comparison Rate4.06% pa
Investment Loan - (85% - 90% LVR) - Variable Interest Rate3.74% pa
Investment Loan - (85% - 90% LVR) - Comparison Rate4.06% pa
Investment Loan - 1 Year Fixed - Fixed Interest Rate3.09% pa
Investment Loan - 1 Year Fixed - Comparison Rate3.88% pa
Investment Loan - 2 Year Fixed - Interest Rate3.09% pa
Investment Loan - 2 Year Fixed - Comparison Rate3.84% pa
Investment Loan - 3 Year Fixed - Fixed Interest Rate3.19% pa
Investment Loan - 3 Year Fixed - Comparison Rate3.82% pa
Investment Loan - 5 Year Fixed - Fixed Rate3.49% pa
Investment Loan - 5 Year Fixed - Comparison Rate3.88% pa
Investment Loan - Variable Base Interest Rate4.72% pa
Investment Loan - Base Comparison Rate 5.02% pa
Investment Loans (Interest Only)
IO Investment Loan - (Up to 80% LVR and over $500k) - Variable Interest Rate3.29% pa
IO Investment Loan - (Up to 80% LVR and over $500k) - Comparison Rate3.61% pa
Fees
Establishment fee$0 
Valuation Fee $$0 1
Annual fee$299 
Discharge fee$300 
Redraw fee$0 
Fixed rate loan break feeYes 
Features
Redraw facilityMinimum $500 per redraw 
Offset accountYes, only on variable loans 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee $$0 
ATM/EFTPOS accessNo 
Branch accessYes 
  Additional Product Information:


Things you should know:
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. 
* Premium Package variable rate special offer 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 on loans with a loan to value ratio less than 80% with principal and interest repayments.

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

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