Gateway Bank
Premium Package 3Yr Fixed I/O
Premium Package 3Yr Fixed I/O
Home loansBank updated 23 Sept 2026
At a glance
- Max LVR
- 95%
- Annual fee
- $299
- Features
- extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedPremium Package - 3 Yr Fixed I/O (<=95% LVR) | Owner occupied · Interest only | 3 yrs fixed | — | 6.99% | 6.60% | — |
§ 02 — Fees · 11
| 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) |
| Premium Annual Package Fee | Periodic | $299 | Every 1 yr | Annual Package Fee. Payable at settlement and then again on each anniversary The discount is only available during an introductory period |
| Top up fee | Transaction | No fee | — | Top up fee. Nil 1st top up, then $200 Payable at settlement when increasing loan borrowings |
| Legal Fee | Upfront | No fee | — | Nil for Premium Package Loans |
| 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 |
| 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 95%
§ 06 — Run the numbers
Put this product through a calculator
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.