At a glance
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInv Land Loan Variable Rate I/O (<=80% LVR) | Investment · Interest only | — | — | 10.22% | 10.29% | — |
§ 02 — Fees · 14
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Additional Valuation Fee | Event | No fee | — | Payable at cost if we or you decide to obtain an additional valuation report (which we may do at any time) |
| Security by Variation | Event | $200 | — | Payable if Gateway agrees to vary the security on an existing loan |
| Switch Fee | Event | $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. P&I to Interest Only) Split (… |
| Top-Up Fee | Event | $200 | — | Top-Up Fee |
| 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 | Upfront | No fee | — | Nil |
| Establishment Fee | Upfront | $200 | — | Payable at settlement of new loan, and may be payable at substitution of security or when adding a new security |
| Legal Fee | Upfront | $275 | — | Payable at settlement to cover solicitor's documentation costs |
| 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 | $99 | — | Two loan accounts (i.e. Variable & Fixed) free. Fee for subsequent splits |
| Valuation Fee | Upfront | $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 land area 2.2ha/5 acres) |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $50,000 to $2,000,000
- · Maximum LVR 80%
§ 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.