Home Loan Interest Rates

Premium Package Home Loan

  Interest Rate Comparison Rate
Variable Rate (LVR up to 80% and over $500k)1 2.54% p.a. 2.88% p.a.
Variable Rate (LVR up to 80%)1 2.59% p.a. 2.93% p.a.
Variable Rate (LVR over 80%- 85%)1 2.70% p.a. 3.04% p.a.
Variable Rate (>85% LVR)1 2.90% p.a. 3.23% p.a.
1 Year Fixed Rate2 2.29% p.a. 3.49% p.a.
2 Year Fixed Rate2 2.18% p.a. 3.39% p.a.
3 Year Fixed Rate2 2.19% p.a. 3.31% p.a.
5 Year Fixed Rate2 2.84% p.a. 3.41% p.a.

 

Low Rate Essentials Home Loans

  Interest Rate Comparison Rate
Variable Rate (LVR up to 80% and over $500k)3, 6 2.51% p.a. 2.54% p.a.
Variable Rate (LVR up to 80%)3 2.55% p.a. 2.58% p.a.
Variable Rate (LVR over 80%- 85%)3 2.64% p.a. 2.67% p.a.
Variable Rate (>85% LVR)3 2.99% p.a. 3.02% p.a.

 

Standard Variable Rate Home Loan

  Interest Rate Comparison Rate
Variable Rate 4.43% p.a. 4.49% p.a.

 

Standard Fixed Rate Home Loans

  Interest Rate Comparison Rate
1 Year Fixed Rate Home Loan4 2.49% p.a. 4.31% p.a.
2 Year Fixed Rate Home Loan4 2.29% p.a. 4.10% p.a.
3 Year Fixed Rate Home Loan4 2.39% p.a. 3.96% p.a.
5 Year Fixed Rate Home Loan4 2.89% p.a. 3.87% p.a.

 

Land Loan

  Interest Rate Comparison Rate
Variable Rate 4.43% p.a. 4.49% p.a.

Premium Package Home Loan

  Interest Rate Comparison Rate
Variable Rate (LVR up to 80% and over $500k)1, 5 2.99% p.a. 3.32% p.a.
Variable Rate (LVR up to 80%)1 3.15% p.a. 3.48% p.a.
Variable Rate (LVR over 80% - 85%)1 3.25% p.a. 3.58% p.a.
Variable Rate (LVR over 85% - 90%)1 3.35% p.a. 3.67% p.a.
1 Year Fixed Rate2 2.69% p.a. 3.85% p.a.
2 Year Fixed Rate2 2.49% p.a. 3.73% p.a.
3 Year Fixed Rate2 2.49% p.a. 3.65% p.a.
5 Year Fixed Rate2 3.19% p.a. 3.76% p.a.

 

Low Rate Essentials Home Loans

  Interest Rate Comparison Rate
Variable Rate (LVR up to 80% and over %500k)3, 5 Up to 80% LVR (>$500K) 2.96% p.a. 2.99% p.a.
Variable Rate (LVR up to 80%)3 3.01% p.a. 3.04% p.a.
Variable Rate (LVR up to 85%)3 3.40% p.a.   3.42% p.a.
Variable Rate (>85% LVR)3 3.60% p.a. 3.62% p.a.

 

Standard Variable Rate Home Loan

  Interest Rate Comparison Rate
Variable Rate 5.18% p.a. 5.24% p.a.

 

Standard Fixed Rate Home Loans

  Interest Rate Comparison Rate
1 Year Fixed Rate Home Loan4 3.09% p.a. 5.04% p.a.
2 Year Fixed Rate Home Loan4 2.99% p.a. 4.83% p.a.
3 Year Fixed Rate Home Loan4 2.99% p.a. 4.66% p.a.
5 Year Fixed Rate Home Loan4 3.39% p.a. 4.50% p.a.

 

Land Loan

  Interest Rate Comparison Rate
Variable Rate   5.18% p.a.   5.24% p.a.

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.

Footnotes:

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