At a glance
- Variable (owner occ. P&I)
- 6.24%6.24% comparison
- Max LVR
- 80%
- Annual fee
- $299
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.24% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 24th lowest of 104, level with 7 others |
Rates
The one rate Gateway Bank publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableAllium Money Premium - <= 80% LVR | Owner occupied, P&I | - | - | 6.24% | 6.24% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 14 Oct 2026 | Variable, Owner occupied, P&I | 5.99% | 6.24% | 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
6 fees published, grouped by when they're charged.
- When you take it outUp to $2992 fees, each listed below
- While you hold it$299 a yearPremium Annual Package Fee
- When you close it or pay it offNo fee published
When you take it out2
- Premium Annual Package Fee$299
- Split Fee$99
While you hold it1
- Premium Annual Package Fee
The discount is only available during an introductory period
$299 a year
When particular things happen3
- Cheque Withdrawal Fee$10
- QuickDebit Dishonour Fee$15
- Switch Fee$150
Features
- Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans
Eligibility and limits
- Minimum age 18
- Amount $150,000 to $2,000,000
- Maximum LVR 80%
Compare it with others
Put this product through a calculator
Published by Gateway Bank under the Consumer Data Right, last changed by them on 14 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.