At a glance
- Variable (investor P&I)
- 6.63%
- Max LVR
- 80%
- Annual fee
- $299
- Features
- offset, redraw, extra repayments
Rates
The one rate Gateway Bank publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInv Green Plus Home Loan (<=80% LVR) | Investment, P&I | - | - | 6.63% | 6.91% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 14 Oct 2026 | Variable, Investment, P&I | 6.38% | 6.63% | up 0.25 |
Each change is logged the night it appears in the rates Gateway Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
13 fees published, grouped by when they're charged.
- When you take it outVaries3 fees, each listed below
- While you hold it$299 a yearAnnual Package Fee
- When you close it or pay it off$95Discharge Fee - Per Additional Security
When you take it out3
- Establishment Fee
Payable at settlement of new loan, and may be payable at substitution of security or when adding a new security
No fee - Legal Fee
Payable at settlement to cover solicitor's documentation costs
No fee - Mortgage Registration Fee
Government charges at cost
No fee
While you hold it1
- Annual Package Fee
Payable at settlement and then again on each anniversary
$299 a year
When particular things happen8
- Construction Additional Progress Payment Fee
Payable from the 6th draw down (after the first 5 progress draw downs)
$150 - Construction Final Inspection Fee
Payable when inspection/valuation is undertaken at final draw down
$325 - Construction Progress Inspection Fee
Payable if an inspection is undertaken during the construction period
$150 - Discharge of Mortgage Fee
Payable at the time of each discharge of mortgage
$300 - Security Variation Fee
Payable if Gateway agrees to vary the security on an existing loan
No fee - 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
No fee - 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) NIL(…
No fee
When you close it or pay it off1
- Discharge Fee - Per Additional Security
Discharge Fee - Per Additional Security
$95
Features
- Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans
Eligibility and limits
- Available to individuals
- Amount $250,000 to $2,000,000
- Maximum LVR 80%
- To be eligible for Gateway's Investor Green Plus Home Loan, the property must have one of the following; a 7 Star Nationwide House Energy Rating Scheme (NatHERS), a 7 Star Residential Efficiency Scor…
- This loan is eligible for the purchase of existing homes, refinancing of an existing home, or construction of new builds.
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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.