At a glance
- Fixed
- 3 yrs 6.39%
- Max LVR
- 75%
- Annual fee
- $299
- Features
- extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedPremium Package - 3 Year Fixed P&I (<=75% LVR) | Owner occupied · P&I | 3 yrs fixed | — | 6.39% | 6.42% | — |
§ 02 — Fees · 14
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Additional Valuation Fee | Event | No fee | — | Nil for Premium Package Loans |
| Security Variation Fee | Event | No fee | — | Security Variation Fee. Nil 1st var then $200. Payable if Gateway agrees to vary the security on an existing loan |
| Switch Fee | Event | $150 | — | Nil for 1st switch then $150. 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.… |
| Discharge Fee - First Security | Exit | $300 | — | Discharge Fee - First Security |
| Discharge Fee - Per Additional Security | Exit | $95 | — | Discharge Fee - Per Additional Security |
| Early Repayment Adjustment (ERA)(break costs) | Exit | No fee | — | 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) |
| Annual Package Fee | Periodic | $299 | Every 1 yr | Payable at settlement and then again on each anniversary |
| Top Up Fee | Transaction | No fee | — | Top up fee. Nil 1st top up, then $200 Payable at settlement when increasing loan borrowings |
| Establishment Fee | Upfront | No fee | — | Nil for Premium Package Loans |
| Legal Fee | Upfront | No fee | — | Nil for Premium Package Loans |
| Mortgage Registration Fee | Upfront | No fee | — | Government charges at cost |
| Rate Lock Fee | Upfront | 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 |
| Split Loan Account Fee | Upfront | No fee | — | Nil, up to 2 loan accounts. Fees apply thereafter |
| Valuation Fee | Upfront | No fee | — | Nil 1st Valuation then $325 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 la… |
§ 03 — Features
Extra repaymentsDigital banking
- · Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $150,000 to $2,000,000
- · Maximum LVR 75%
§ 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.