Due to scheduled maintenance Online Banking, Gateway 2Go app, Phone Banking and VISA Card Services will be unavailable between 3am-8am EDST on Sunday 12th December. We apologise for any inconvenience.
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.
After the 5-year introductory period the interest rate reverts to an ongoing variable rate, currently 5.99% p.a. Rate is subject to change.
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. 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.
1 Negative equity protection will not apply if we determine, acting reasonably, that you engaged in fraud, or made a material misrepresentation, relating to your loan before, at, or after the time your loan contract was made.
2 Refer to our General Fees, Charges and Transaction limits. You should consider if a; Visa Debit Card, Online Banking, or Reverse Mortgage is right for you.
3 If property valued at under $1m in metro locations and $500k in regional locations with a maximum land area of 2.2ha/5 acres. Any additional valuation costs incurred for a non-standard property are payable in addition to the Settlement Fee.
4 Loan variation fees may apply when changing the structure of an existing Gateway Loan, such as a top up.
5 A Discharge fee is payable when discharging your mortgage with Gateway.
6 For other fees, view our Loan Accounts Fees and Charges.