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Gateway Bank

Every product Gateway Bank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 6 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
  • Australian credit licence and AFS licence 238293, held by Gateway Bank Ltd; credit licence since 8 September 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetGateway Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

171 products in 6 categories

  1. Home loans87
  2. Term deposits34
  3. Savings & transaction accounts20
  4. Business loans20
  5. Overdrafts6
  6. Personal loans4

Gateway Bank's rates today

Gateway Bank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where Gateway Bank sits among every institution's best

Gateway Bank 6.14%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateGateway BankBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.14%Low Rate Essentials5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.67%Allium Premium 3Yr Fixed6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans11.59%Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower8.39%Commercial Loan 3yr Fixed6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

Gateway Bank home loan repayments

Repayments at Gateway Bank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableLow Rate Essentials
    6.14%6.16% comparison
    $3,651a month

    $714,535 in interest, $1,314,535 repaid in all

  2. 1-year fixedAllium Premium 1Yr Fixed
    6.52%6.27% comparison
    $3,800a month

    $768,109 in interest, $1,368,109 repaid in all

  3. 2-year fixedAllium Premium 2Yr Fixed
    6.57%6.31% comparison
    $3,820a month

    $775,226 in interest, $1,375,226 repaid in all

  4. 3-year fixedAllium Premium 3Yr Fixed
    6.67%6.37% comparison
    $3,860a month

    $789,505 in interest, $1,389,505 repaid in all

  5. 5-year fixedPremium Package 5yr Fixed
    7.09%6.93% comparison
    $4,028a month

    $850,133 in interest, $1,450,133 repaid in all

  6. Investor variableAllium Money Essentials Inv
    6.64%6.64% comparison
    $3,848a month

    $785,215 in interest, $1,385,215 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Gateway Bank's own calculator: confirm the rate with Gateway Bank before you apply.

Gateway Bank home loan rates

Compare across banks

87 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.14%, with a comparison rate of 6.16%, on its Low Rate Essentials: 9th lowest of 104 lenders, level with 5 others.

Gateway Bank savings and transaction account rates

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20 products

Gateway Bank term deposit rates

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34 products

Gateway Bank personal loan rates

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4 products

Its lowest advertised personal loan rate is 7.04% variable, with a comparison rate of 7.25%, on its Car Loan: 35th lowest of 69 lenders, level with one other.

Gateway Bank business loan rates

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20 products

Its lowest advertised business loan rate is 8.39% fixed, on its Commercial Loan 3yr Fixed: 37th lowest of 49 lenders.

Gateway Bank overdraft rates

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6 products

Its lowest advertised overdraft rate is 8.74% variable, with a comparison rate of 8.82%, on its Reverse Mortgage Access: 8th lowest of 23 lenders.

Rate changes since 18 Sept 2026How every lender responded

Has Gateway Bank passed on the RBA's November 2026 rate rise?

Gateway Bank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Wed 14 Oct

Published by Gateway Bank under the Consumer Data Right, last changed by them on 6 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.