At a glance
- Max LVR
- 90%
- Features
- extra repayments
Rates
The one rate Gateway Bank publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInv Home Loan 5yr Fixed Rate P&I (<=90% LVR) | Investment, P&I | 5 yrs fixed | - | 7.49% | 8.71% | - |
Fees
14 fees published, grouped by when they're charged.
- When you take it outUp to $3257 fees, each listed below
- While you hold itNo fee published
- When you close it or pay it offUp to $3003 fees, each listed below
When you take it out7
- Annual Package Fee
Payable at settlement and then again on each anniversary. Nil for Standard Investment Loans.
No fee - Establishment Fee
Payable at settlement of new loan, and may be payable at substitution of security or when adding a new security
$200 - Legal Fee
Payable at settlement to cover solicitor's documentation costs
$275 - Mortgage Registration Fee
Government charges at cost
No fee - Rate Lock 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
No fee - Split Loan Account Fee
Two loan accounts (i.e. Variable & Fixed) free. Fee for subsequent splits
$99 - Valuation Fee
Payable if valuation required per property 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)
$325
When particular things happen4
- Additional Valuation Fee
Payable at cost if we or you decide to obtain an additional valuation report (which we may do at any time)
No fee - Security Variation Fee
Payable if Gateway agrees to vary the security on an existing loan
$200 - Switch Fee
Payable if Gateway agrees to vary the Loan Agreement on existing Gateway loan as follows: Product switch (e.g. from variable rate to a fixed rate) Repayment switch (e.g. P&I to Interest Only) Split (…
$150 - Top-Up Fee
Payable at settlement when increasing loan borrowings
$200
When you close it or pay it off3
- Discharge Fee - First Security
Discharge Fee - First Security
$300 - Discharge Fee - Per Additional Security
Discharge Fee - Per Additional Security
$95 - Early Repayment Adjustment (ERA)(break costs)
Early Repayment Adjustment (ERA) (break costs). Payable if Gateway suffers a loss when loan is repaid in full during a fixed interest rate period. Unascertainable (ERA formula available upon request)
No fee
Features
- Ability to split your interest type between variable or fixed.
Eligibility and limits
- Minimum age 18
- Amount $20,000 to $2,000,000
- Maximum LVR 90%
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Published by Gateway Bank under the Consumer Data Right, last changed by them on 13 Oct 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.