At a glance
- Max LVR
- 80%
- Annual fee
- $299
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableGreen Plus Home Loan - Variable - Interest Only (<=80% LVR) | Owner occupied · Interest only | — | — | 6.34% | 6.62% | — |
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Additional Valuation Fee | Event | No fee | — | Nil for Green Home Loan Products |
| Construction Additional Progress Payment Fee | Event | $150 | — | Payable from the 6th draw down (after the first 5 progress draw downs) |
| Construction Final Inspection Fee | Event | $325 | — | Payable when inspection/valuation is undertaken at final draw down |
| Construction Progress Inspection Fee | Event | $150 | — | Payable if an inspection is undertaken during the construction period |
| 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.… |
| Top Up Fee | Event | No fee | — | Top up fee. Nil 1st top up, then $200 Payable at settlement when increasing loan borrowings |
| Discharge Fee - First Security | Exit | $300 | — | Discharge Fee - First Security |
| Discharge Fee - Per Additional Security | Exit | $95 | — | Discharge Fee - Per Additional Security |
| Exit Fee | Exit | No fee | — | Nil (Early Repayment Adjustment on Fixed Rate) |
| Annual Home Loan Fee | Periodic | $299 | Every 1 yr | Payable at settlement and then again on each anniversary |
| Establishment Fee | Upfront | No fee | — | Nil for Green Home Loan Products |
| Legal Fee | Upfront | No fee | — | Nil for Green Home Loan Products |
| Mortgage Registration Fee | Upfront | No fee | — | Government charges at cost |
| Rate Lock Fee | Upfront | No fee | — | Nil for Green Home Loan Products |
| Split Loan Account Fee | Upfront | No fee | — | Two loan accounts (i.e. Variable & Fixed) free. Fee for subsequent splits |
| 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
Offset accountRedrawExtra 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
- · Available to individuals
- · Amount $250,000 to $2,000,000
- · Maximum LVR 80%
- · To be eligible for Gateway's Green Plus Home Loan, the property must have a Nationwide House Energy Rating Scheme (NatHERS), or a Residential Efficiency Scorecard rating of 7 Stars or higher for ener…
§ 06 — Run the numbers
Put this product through a calculator
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.