The Finance Algorithm

Live · as of todayRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr highRBA Cash Rate4.35%Held since May 26AUD/USD0.7045-1.05% dayASX 2008,765.3+0.38% dayFixed 3yr (avg)6.74%owner-occ, banksVariable (avg)6.80%owner-occ, discountedMedian Sydney$1.61M▼ 0.4% qtrMedian Melbourne$920k▼ 0.8% qtrSuper (Balanced, FY25-26)+9.4%median · SuperRatingsBTC/AUD$119,786-0.9% 24h10yr Gov Bond5.35%▼ 0.06Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%Unemployment4.5%▲ 3-yr high

147 products · 6 categories · changed 23 Sept 2026

Gateway Bank.

Business loans 20 Overdrafts 6 Personal loans 4 Home loans 63 Term deposits 34 Savings & transaction accounts 20

Business loans · 20Compare across banks →

Commercial Loan 3yr Fixed

Fixed: 8.39%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Commercial Loan 3yr Fixed IO

Fixed: 8.54%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Commercial Plus 3yr Fixed

Fixed: 8.64%
Loan size: $4,000,000 to $10,000,000
Upfront fee: $0

Commercial Plus 3yr Fixed IO

Fixed: 8.79%
Loan size: $4,000,000 to $10,000,000
Upfront fee: $0

Commercial Plus Loan

Variable: 8.94%
Loan size: $4,000,000 to $10,000,000
Upfront fee: $0

Commercial Plus Loan IO

Variable: 9.09%
Loan size: $4,000,000 to $10,000,000
Upfront fee: $0

Commercial Property Loan

Variable: 8.69%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Commercial Property Loan IO

Variable: 8.84%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Green Com Property Loan IO

Variable: 8.54%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Green Commercial Property Loan

Variable: 8.39%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

INV Com Plus 3yr Fixed IO

Fixed: 8.79%
Loan size: $4,000,000 to $10,000,000
Upfront fee: $0

Inv Com Plus Loan I/O

Variable: 9.09%
Loan size: $4,000,000 to $10,000,000
Upfront fee: $0

Inv Commercial 3yr Fixed IO

Fixed: 8.54%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Inv Commercial Loan 3yr Fixed

Fixed: 8.39%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Inv Commercial Loan IO

Variable: 8.84%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

INV Commercial Plus 3yr Fixed

Fixed: 8.64%
Loan size: $4,000,000 to $10,000,000
Upfront fee: $0

INV Commercial Plus Loan

Variable: 8.94%
Loan size: $4,000,000 to $10,000,000
Upfront fee: $0

Inv Commercial Property Loan

Variable: 8.69%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Inv Green Com Property Loan

Variable: 8.39%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Inv Green Com Property Loan IO

Variable: 8.54%
Loan size: $250,000 to $4,000,000
Upfront fee: $1,500

Overdrafts · 6Compare across banks →

Variable: 0.01%

Variable: 11.74%
Loan size: $1,000 to $20,000
Upfront fee: $149

EquitiSmart Home Loan

Variable: 9.50%
Loan size: $20,000 to $1,000,000
Upfront fee: $800

Inv EquitiSmart Home Loan

Variable: 10.12%
Loan size: $20,000 to $1,000,000
Upfront fee: $800

Reverse Mortgage Access

Variable: 8.49% · 8.57% comparison
Loan size: $50,000 to $2,000,000
Upfront fee: $995

Reverse Mortgage Lump Sum

Variable: 8.25% · 8.33% comparison
Loan size: $50,000 to $5,000,000
Upfront fee: $1,094

Personal loans · 4Compare across banks →

Variable: 7.04% · 7.25% comparison
Loan size: $3,000 to $75,000
Upfront fee: $149

Fixed Rate Personal Loan

Fixed: 12.34% · 13.39% comparison
Loan size: $3,000 to $30,000
Upfront fee: $149

Gateway Eco Loan

Variable: 3.75%
Loan size: $3,000 to $30,000
Upfront fee: $149

Variable: 11.59% · 12.63% comparison
Loan size: $3,000 to $30,000
Upfront fee: $149

Home loans · 63Compare across banks →

Allium Money Essentials

Variable (owner occ. P&I): 5.94% · 5.94% comparison
Max LVR: 80%
Features: redraw, extra repayments

Allium Money Essentials Inv

Variable (investor P&I): 6.39%
Max LVR: 80%
Features: redraw, extra repayments

Allium Money Essentials Inv IO

Max LVR: 80%
Features: redraw, extra repayments

Allium Money Essentials IO

Max LVR: 80%
Features: redraw, extra repayments

Allium Money Premium

Variable (owner occ. P&I): 5.99% · 5.99% comparison
Max LVR: 80%
Annual fee: $299

Allium Money Premium Inv

Variable (investor P&I): 6.54%
Max LVR: 80%
Annual fee: $299

Allium Money Premium Inv IO

Max LVR: 80%
Annual fee: $299
Features: offset, redraw, extra repayments

Allium Money Premium IO

Max LVR: 80%
Annual fee: $299
Features: offset, redraw, extra repayments

Construction Loan Var Rate

Variable (owner occ. P&I): 8.68% · 8.75% comparison
Max LVR: 90%
Features: offset, redraw, extra repayments

Green Home Loan

Variable (owner occ. P&I): 6.10% · 6.38% comparison
Max LVR: 80%
Annual fee: $598

Green Home Loan IO

Max LVR: 80%
Annual fee: $299
Features: offset, redraw, extra repayments

Green Plus Home Loan

Variable (owner occ. P&I): 5.85% · 6.14% comparison
Max LVR: 80%
Annual fee: $598

Green Plus Home Loan IO

Max LVR: 80%
Annual fee: $299
Features: offset, redraw, extra repayments

Home Loan - Variable Rate

Variable (owner occ. P&I): 8.68% · 8.75% comparison
Max LVR: 95%
Features: redraw, extra repayments

Home Loan 1yr Fixed Rate

Fixed: 1 yr 6.94%
Max LVR: 95%
Features: extra repayments

Home Loan 1yr Fixed Rate I/O

Max LVR: 95%
Features: extra repayments

Home Loan 2yr Fixed Rate

Fixed: 2 yrs 7.04%
Max LVR: 95%
Features: extra repayments

Home Loan 2yr Fixed Rate I/O

Max LVR: 95%
Features: extra repayments

Home Loan 3yr Fixed Rate

Fixed: 3 yrs 6.84%
Max LVR: 95%
Features: extra repayments

Home Loan 3yr Fixed Rate I/O

Max LVR: 95%
Features: extra repayments

Home Loan 5yr Fixed

Fixed: 5 yrs 7.34%
Max LVR: 95%
Features: extra repayments

Home Loan 5yr Fixed I/O

Max LVR: 95%
Features: extra repayments

Inv Construction Loan

Variable (investor P&I): 9.63%
Max LVR: 90%
Features: offset, redraw, extra repayments

Inv Green Plus Home Loan

Variable (investor P&I): 6.38%
Max LVR: 80%
Annual fee: $299

Inv Green Plus Home Loan IO

Max LVR: 80%
Annual fee: $299
Features: offset, redraw, extra repayments

Inv Home Loan 1yr Fixed

Max LVR: 90%
Features: extra repayments

Inv Home Loan 1yr Fixed I/O

Max LVR: 90%
Features: extra repayments

Inv Home Loan 2yr Fixed

Max LVR: 90%
Features: extra repayments

Inv Home Loan 2yr Fixed I/O

Max LVR: 90%
Features: extra repayments

Inv Home Loan 3yr Fixed

Max LVR: 90%
Features: extra repayments

Inv Home Loan 3yr Fixed I/O

Max LVR: 90%
Features: extra repayments

Inv Home Loan 5yr Fixed

Max LVR: 90%
Features: extra repayments

Inv Home Loan 5yr Fixed I/O

Max LVR: 90%
Features: extra repayments

Inv Home Loan Variable

Variable (investor P&I): 9.63%
Max LVR: 90%
Features: redraw, extra repayments

Inv Home Loan Variable I/O

Max LVR: 90%
Features: redraw, extra repayments

Inv Land Loan Variable

Variable (investor P&I): 9.63%
Max LVR: 80%
Features: offset, redraw, extra repayments

Inv Land Loan Variable I/O

Max LVR: 80%
Features: offset, redraw, extra repayments

Inv Low Rate Essentials

Variable (investor P&I): 6.39%
Max LVR: 90%
Features: redraw, extra repayments

Inv Low Rate Essentials I/O

Max LVR: 90%
Features: redraw, extra repayments

Inv Premium Pack 1yr Fixed

Max LVR: 90%
Features: extra repayments

Inv Premium Pack 1yr Fixed I/O

Max LVR: 90%
Features: extra repayments

Inv Premium Pack 2yr Fixed

Max LVR: 90%
Features: extra repayments

Inv Premium Pack 2yr Fixed I/O

Max LVR: 90%
Features: extra repayments

Inv Premium Pack 3yr Fixed

Max LVR: 90%
Features: extra repayments

Inv Premium Pack 3yr Fixed I/O

Max LVR: 90%
Features: extra repayments

Inv Premium Pack 5yr Fixed

Max LVR: 90%
Features: extra repayments

Inv Premium Pack 5yr Fixed I/O

Max LVR: 90%
Annual fee: $299
Features: extra repayments

Inv Premium Package

Variable (investor P&I): 6.49%
Max LVR: 90%
Features: offset, redraw, extra repayments

Inv Premium Package I/O

Max LVR: 90%
Features: offset, redraw, extra repayments

Land Loan Var Rate I/O

Max LVR: 80%
Features: offset, redraw, extra repayments

Land Loan Variable Rate

Variable (owner occ. P&I): 8.68% · 8.75% comparison
Max LVR: 80%
Features: offset, redraw, extra repayments

Low Rate Essentials

Variable (owner occ. P&I): 5.89% · 5.91% comparison
Max LVR: 95%
Features: redraw, extra repayments

Low Rate Essentials Int Only

Max LVR: 95%
Features: redraw, extra repayments

Premium Package

Variable (owner occ. P&I): 5.99% · 6.27% comparison
Max LVR: 95%
Annual fee: $299

Premium Package 1Yr Fixed

Fixed: 1 yr 6.24%
Max LVR: 75%
Annual fee: $299

Premium Package 1Yr Fixed I/O

Max LVR: 95%
Annual fee: $299
Features: extra repayments

Premium Package 2Yr Fixed

Fixed: 2 yrs 6.29%
Max LVR: 75%
Annual fee: $299

Premium Package 2Yr Fixed I/O

Max LVR: 95%
Annual fee: $299
Features: extra repayments

Premium Package 3Yr Fixed

Fixed: 3 yrs 6.39%
Max LVR: 75%
Annual fee: $299

Premium Package 3Yr Fixed I/O

Max LVR: 95%
Annual fee: $299
Features: extra repayments

Premium Package 5yr Fixed

Fixed: 5 yrs 7.09%
Max LVR: 95%
Annual fee: $299

Premium Package 5yr Fixed I/O

Max LVR: 95%
Annual fee: $299
Features: extra repayments

Premium Package I/O

Max LVR: 95%
Annual fee: $299
Features: offset, redraw, extra repayments

Term deposits · 34Compare across banks →

Package TD 10 Months

Min deposit: $1,000

Package TD 11 Months

Min deposit: $1,000

Package TD 12 Months

Min deposit: $1,000

Package TD 15 Months

Min deposit: $1,000

Package TD 18 Months

Min deposit: $1,000

Package TD 21 Months

Min deposit: $1,000

Package TD 24 Months

Min deposit: $1,000

Package TD 3 Months

Min deposit: $1,000

Package TD 36 Months

Min deposit: $1,000

Package TD 4 Months

Min deposit: $1,000

Package TD 48 Months

Min deposit: $1,000

Package TD 5 Months

Min deposit: $1,000

Package TD 6 Months

Min deposit: $1,000

Package TD 60 Months

Min deposit: $1,000

Package TD 7 Months

Min deposit: $1,000

Package TD 8 Months

Min deposit: $1,000

Package TD 9 Months

Min deposit: $1,000

Term Deposit 10 Months

Min deposit: $1,000

Term Deposit 11 Months

Min deposit: $1,000

Term Deposit 12 Months

Min deposit: $1,000

Term Deposit 15 Months

Min deposit: $1,000

Term Deposit 18 Months

Min deposit: $1,000

Term Deposit 21 Months

Min deposit: $1,000

Term Deposit 24 Months

Min deposit: $1,000

Term Deposit 3 Months

Min deposit: $1,000

Term Deposit 36 Months

Min deposit: $1,000

Term Deposit 4 Months

Min deposit: $1,000

Term Deposit 48 Months

Min deposit: $1,000

Term Deposit 5 Months

Min deposit: $1,000

Term Deposit 6 Months

Min deposit: $1,000

Term Deposit 60 Months

Best rate: 0.65% for 60m
Min deposit: $1,000

Term Deposit 7 Months

Min deposit: $1,000

Term Deposit 8 Months

Min deposit: $1,000

Term Deposit 9 Months

Min deposit: $1,000

Savings & transaction accounts · 20Compare across banks →

Allium Money Prem Inv Offset

Pricing: Rates on application
Monthly fee: $10

Allium Money Premium Offset

Pricing: Rates on application
Monthly fee: $10

Base rate: 3.00%

Community Account

Base rate: 0.85%

Construction Loan Offset

Pricing: Rates on application
Monthly fee: $10

Dollaroo Junior Savers

Base rate: 3.75%

Eco Advantage Transaction Acct

Base rate: 2.00%

eMax Saver Account

Base rate: 0.35%

Base rate: 0.10%
Bonus rate: 4.25%
Up to: 4.35%

Green Home Loan Offset

Pricing: Rates on application
Monthly fee: $10

Green Plus Home Loan Offset

Pricing: Rates on application
Monthly fee: $10

INV Construction Offset

Pricing: Rates on application
Monthly fee: $10

INV Land Offset

Pricing: Rates on application
Monthly fee: $10

INV Premium Package Offset

Pricing: Rates on application
Monthly fee: $10

INV Standard Variable Offset

Pricing: Rates on application
Monthly fee: $10

Land Loan Offset

Pricing: Rates on application
Monthly fee: $10

Pricing: Rates on application
Monthly fee: $10

Premium Package Offset

Pricing: Rates on application
Monthly fee: $10

Savings Account

Base rate: 0.05%

SMSF Savings Account

Base rate: 3.55%

Published by Gateway Bank under the Consumer Data Right, last changed by them on 23 Sept 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.

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