Home Loan Interest Rates

Premium Package Home Loan

  Interest Rate Comparison Rate
Variable Rate (LVR up to 80%) 2.64% p.a. 2.98% p.a.
Variable Rate (LVR over 80%- 85%) 3.25% p.a. 3.58% p.a.
Variable Rate (>85% LVR) 3.65% p.a. 3.97% p.a.
1 Year Fixed Rate2 3.69% p.a. 3.61% p.a.
2 Year Fixed Rate2 4.29% p.a. 3.76% p.a.
3 Year Fixed Rate2 4.74% p.a. 3.96% p.a.
5 Year Fixed Rate2 4.99% p.a. 4.28% p.a.

 

Low Rate Essentials Home Loans

  Interest Rate Comparison Rate
Variable Rate (LVR up to 80%)3 2.54% p.a. 2.57% p.a.
Variable Rate (LVR over 80%- 85%)3 3.19% p.a. 3.22% p.a.
Variable Rate (>85% LVR)3 3.74% p.a. 3.76% p.a.

 

Green Home Loans

  Interest Rate Comparison Rate
Green Plus Home Loan 2.39% p.a. 2.73% p.a.
Green Home Loan 2.49% p.a. 2.83% p.a.

  

Standard Home Loans

  Interest Rate Comparison Rate
Variable Rate 4.68% p.a. 4.74% p.a.
1 Year Fixed Rate Home Loan4 3.79% p.a. 4.43% p.a.
2 Year Fixed Rate Home Loan4 4.49% p.a. 4.50% p.a.
3 Year Fixed Rate Home Loan4 4.99% p.a. 4.64% p.a.
5 Year Fixed Rate Home Loan4 5.24% p.a. 4.83% p.a.

 

Land Loan

  Interest Rate Comparison Rate
Variable Rate 4.68% p.a. 4.74% p.a.

 

Construction Loan

  Interest Rate Comparison Rate
Construction Loan 3.48% p.a. 3.54% p.a.

 

Premium Package Home Loan

  Interest Rate Comparison Rate
Variable Rate (LVR up to 80% and over $500k)1, 5 2.74% p.a. 3.08% p.a.
Variable Rate (LVR up to 80%)1 2.93% p.a. 3.26% p.a.
Variable Rate (LVR over 80% - 85%)1 3.50% p.a. 3.82% p.a.
Variable Rate (LVR over 85% - 90%)1 3.60% p.a. 3.92% p.a.
1 Year Fixed Rate2 3.89% p.a. 3.95% p.a.
2 Year Fixed Rate2 4.39% p.a. 4.07% p.a.
3 Year Fixed Rate2 4.84% p.a. 4.25% p.a.
5 Year Fixed Rate2 5.29% p.a. 4.62% p.a.

 

Low Rate Essentials Home Loans

  Interest Rate Comparison Rate
Variable Rate (LVR up to 80% and over $500k)3, 5 3.00% p.a. 3.03% p.a.
Variable Rate (LVR up to 80%)3 3.10% p.a. 3.13% p.a.
Variable Rate (LVR up to 85%)3 3.65% p.a.   3.67% p.a.
Variable Rate (>85% LVR)3 3.85% p.a. 3.87% p.a.

   

Standard Home Loans

  Interest Rate Comparison Rate
Variable Rate 5.43% p.a. 5.49% p.a.
1 Year Fixed Rate Home Loan4 3.99% p.a. 5.12% p.a.
2 Year Fixed Rate Home Loan4 4.59% p.a. 5.13% p.a.
3 Year Fixed Rate Home Loan4 5.09% p.a. 5.22% p.a.
5 Year Fixed Rate Home Loan4 5.44% p.a. 5.35% p.a.

 

Land Loan

  Interest Rate Comparison Rate
Variable Rate   5.43% p.a.   5.49% p.a.

 

Construction Loan

  Interest Rate Comparison Rate
Construction Loan 5.43% p.a. 5.49% p.a.

Rates advertised apply to principal and interest repayment types only. 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. 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 and top ups of $50,000 or more on investment 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.

Footnotes:

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