Gateway Bank
Commercial Plus 3yr Fixed
Commercial Plus 3yr Fixed
Business loansBank updated 1 July 2026
At a glance
- Fixed
- 8.64%
- Loan size
- $4,000,000 to $10,000,000
- Upfront fee
- $0
- Monthly fee
- $25
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedCommercial Plus Loan 3yr Fixed (<60% LVR) | Investment · P&I | 3 yrs fixed | — | 8.64% | — | — |
| FixedCommercial Plus Loan 3yr Fixed (>60% - <= 65% LVR) | Investment · P&I | 3 yrs fixed | — | 8.74% | — | — |
§ 02 — Fees · 12
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Discharge Fee | Event | $300 | — | Payable at the time of each discharge of mortgage Discharge Fee - First Security $300 Discharge Fee - Per additional Security $95 |
| Early Termination Fee | Event | No fee | — | Payable if the loan amount is paid in full within 3 years. 1.00% of the total loan amount applied for |
| Fixed Loan Break Cost | Event | No fee | — | Early repayment adjustment is payable if Gateway suffers a loss when the loan is repaid in full during a fixed rate period. Amount is unascertainable (ERA formula available upon request) |
| Rate Lock Fee | Event | No fee | — | Payable at application for Rate Lock in the prevailing fixed rate, valid for 90 days from request date. 0.15% of locked loan amount |
| Security Variation Fee | Event | $200 | — | Payable if Gateway agrees to vary the security on an existing loan. $200 per variation |
| Split Loan Account Fee | Event | $99 | — | Two loan accounts (i.e. Variable & Fixed) free. Fee for subsequent splits |
| Switch Fee | Event | $150 | — | Payable if Gateway agrees to vary the Loan Agreement on existing Gateway loan, for example; Repayment switch (e.g. P&I to Interest Only) Product switch (e.g. from variable rate to a fixed rate) $150… |
| Top Up Fee | Event | $500 | — | Payable at settlement when increasing loan borrowings |
| Valuation Fee | Event | No fee | — | The amount of all valuation fees Gateway Bank incurs or has to pay its valuer in connection with a valuation of the property. At Cost |
| Monthly Fee | Periodic | $25 | Every 1 mo | Ongoing monthly service fee |
| Establishment Fee | Upfront | No fee | — | 0.40% of the total loan amount (for standard applications) |
| Legal Fee | Upfront | No fee | — | Document preparation costs and out-of-pocket expenses. At Cost |
§ 03 — Features
Digital banking
- · Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans.
- · Additional Repayments: Make additional repayments to help reduce your loan term
- · Up to 30 year loan term*: Helps manage cashflows when compared to shorter loan term options
- · Repayments: Principal & Interest and Interest Only options available
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $4,000,000 to $10,000,000
- · Maximum LVR 70%
§ 05 — Compare
§ 06 — Run the numbers
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Published by Gateway Bank under the Consumer Data Right, last changed by them on 1 July 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.