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Studio Apartments

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2.64% pa
Special Variable Rate (<80% LVR)1

2.98% pa
Comparison Rate3

There are so many benefits to studio living. Studio apartments are often found in desirable areas and yield high rental incomes. They also sit at the more affordable end of the market, making them a great choice for first-time home buyers looking to get a foot on the property ladder. Not to mention they are easier to clean.

The only downfall seems to be that getting finance for a studio apartment can often be tricky. But not with Gateway. Why not contact us today to find out how easy it can be to buy your dream studio apartment with us.

Please call me back Studio Loan Enquiry Form

Restrictions may apply to some high-density areas where the security is located in a unit development comprising more than 10 units or apartments. Contact Gateway today to discuss the possible restrictions associated with the suburb you would like to buy in.

Premium Package Interest Rate Comparison Rate3
Special Offer Variable Rate (up to 80% LVR)1 2.64% pa1 2.98% pa
1 Year Fixed2 2.79% pa2 3.58% pa
2 Year Fixed2 2.49% pa 3.48% pa
3 Year Fixed2 2.89% pa2 3.52% pa
5 Year Fixed2 3.19% pa 3.58% pa

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.




No establishment fee


Loan redraw available4


Pair with 100% Loan Offset Account5


Earn an extra 0.10%p.a. on your Term Deposit accounts


Plus discounts on CGU Insurance6


Make extra repayments without penalty7


Option to split variable and fixed loan portions


Take advantage of our current interest rate lock for up to 90 days on Fixed Rate home loans8


$299 annual package fee


Important Information:

Applications for finance are subject our standard credit assessment criteria. Full terms and conditions are included in the loan offer. Fees and charges apply. Line of credit style products (e.g. EquitiSmart) are ineligible for the Family Pledge Loan. All Family Pledge loans must be structured on principal and interest basis. Rates advertised apply to principal and interest repayment types only. Gateway reserves the right to vary these interest rates at any time. The minimum loan amount $150,000 and the maximum loan available is the lesser of $1,000,000 or 105% of the value of the purchased property.

1. 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 $150,000.00 or more and top ups of $50,000 or more on owner-occupier loans with a loan to value ratio less than 80% with principal and interest repayments. Approved loans must be funded within 12 weeks of the application date.
2. Fixed rates are subject to change at any time, unless the borrower has taken out Rate Lock and satisfies the conditions of this facility. Fixed rates revert to the corresponding product's variable base rate upon expiry of fixed rate term.
3. 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 different comparison rates.
4. 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 $5 redraw 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.
5. Offset is only available on variable rate home loans.
6. This Insurance is issued by CGU Insurance Limited ABN 27 004 478 371 AFSL 238291. If your home is in Western Australia, Tasmania or the Northern Territory, the insurer providing the Domestic Workers Compensation optional cover is Insurance Australia Limited trading as CGU Workers Compensation ABN 11 000 016 722. In arranging this insurance, Gateway Bank acts under its own AFSL and under an agreement with CGU Insurance Limited. This information is only a general description of cover and any financial product advice provided is of a general nature only and does not take into account your personal circumstances. Before making a decision about this product, please refer to the Product Disclosure Statement and our Financial Services Guide.
7.  Additional repayments may be made during the fixed rate period, however, if the loan is paid off prior to the end of the fixed rate period they will be liable to pay an early adjustment fee (ERA).
8. Requests for Rate Lock are subject to approval. The Rate Lock fee is 0.15% of the locked loan amount and payable within seven days of submitting the rate lock application form and is valid for 90 days.