Refinancing to Gateway in 3 easy steps

1. Submit this form + some details about your loan

2. You'll receive a call from our friendly team, and they'll talk you through what documents we need

3. Send over your loan documentation + our team will arrange your refinance for you

  
No stress or hassle, it's as simple as that!


  
Want to know how you can get $2,000 cashback on a Green Home Loan or Green Plus Home Loan? Chat to one of our team.

  • 100% offset account available with Eco Debit Card
  • 0.25% discount off the Premium Package Variable rate
  • Unlimited extra repayments
  • 1.89%p.a. Interest rate
  • 2.24%p.a.
    Comparison rate
  • 100% offset account available with Eco Debit Card
  • 0.15% discount off the Premium Package Variable rate
  • Unlimited extra repayments
  • 1.99%p.a. Interest rate
  • 2.34%p.a.
    Comparison rate

A multi-award winning home loan with flexible features and a competitive rate.

  • No establishment fee
  • 100% offset account available
  • Unlimited extra repayments
  • Up to 80% LVR (>$250K) 1.99%p.a. Interest rate
  • 2.34%p.a.
    Comparison rate

A multi-award winning home loan with flexible features and a competitive rate.

  • No establishment fee
  • Option to split variable and fixed loan options
  • Unlimited extra repayments
  • 3 year 2.27%p.a. Interest rate
  • 3.33%p.a.
    Comparison rate

Our most competitive home loan with great features allowing you to pay off your mortgage sooner.

  • Loan redraw facility available
  • No annual fees
  • Unlimited extra repayments
  • Up to 80% LVR (>$250K) 2.04%p.a. Interest rate
  • 2.07%p.a.
    Comparison rate

A multi-award winning home loan with flexible features and a competitive rate.

  • No establishment fee
  • 100% offset account available
  • Unlimited extra repayments
  • Up to 80% LVR (>$500K) 2.49%p.a. Interest rate
  • 2.83%p.a.
    Comparison rate

A multi-award winning home loan with flexible features and a competitive rate.

  • No establishment fee
  • Option to split variable and fixed loan options
  • Unlimited extra repayments
  • 3 year 2.47%p.a. Interest rate
  • 3.64%p.a.
    Comparison rate

Our most competitive home loan with great features allowing you to pay off your mortgage sooner.

  • Loan redraw facility available
  • No annual fees
  • Unlimited extra repayments
  • Up to 80% LVR (>$500K) 2.75%p.a. Interest rate
  • 2.78%p.a.
    Comparison rate

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.

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.

*To be eligible for the $2,000 Green Plus Home Loan or Green Home Loan cashback offer, apply between 20th September 2021 to 31 December 2021 and settle or for construction partially draw down the loan by 31st March 2022 (Offer Period) on eligible Green Plus Home Loan and Green Home Loan for refinance, purchase and construction applications with a minimum loan amount of $250k and LVR up to 80%. We reserve the right to extend or withdraw the offer at anytime. The offer is available to applicants who are owner-occupiers and excludes top-ups and refinances of internal Gateway Bank Home Loans, non-residents, businesses, trusts and other non-natural persons. Limit of one $2,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant.
The primary applicant must have a Gateway Bank Edge transaction account or a 100% Offset account open at the time of settlement in order to receive the cashback payment of $2,000. The cashback will be credited to the primary borrower's Gateway Bank transaction account within 60 days of loan funding. Applications subject to credit approval. Fees and charges apply.

Footnotes:

  • 1 Special Offer Rate for Aggregate Owner-Occupied Borrowings with Gateway Bank over $250,000.
  • 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.