Want to save money on your home loan? A Gateway Low Rate Essentials Home Loan offers you just that - a low variable rate for the life of your loan. So you always enjoy a low rate to help you have money for other things.
Take advantage of the Loan Redraw facility to access your additional repayments whenever you need them.
Contact us online about a new home loan
Download and print a home loan application form
Apply online now for a home loan
Apply via Online Banking, select "Apply for a Loan" (Members only)
| Loan Amount |
- Minimum $50,000
- Maximum 95% of security property valuation
|
Ability to Split
|
Your Low Rate Essentials Home Loan can also be split and combined with a Fixed Rate Loan
|
Lenders' Mortgage Insurance
|
Applicable if you borrow more than 80% of the security property valuation
|
Loan Term
|
Up to 30 years
|
| Redraw |
Have the flexibility of making additional repayments to reduce your interest costs and then access these funds when needed
Loan Redraw is available via Online Banking with a minimum redraw amount of $500
|
Repayment Options
|
- Fortnightly
- Monthly
- Principal plus interest
- Interest only (monthly only)
|
Additional Repayments
|
Unlimited additional repayments
|
Loan Setup Costs
|
Yes - Refer to Loan Fees
|
Annual Fee
|
None
|
| Loan Contract Fees |
Over the life of your loan contract, Government charges, credit fees and other charges may apply (details on request)
|
| Online Application |
Apply Now
|
Contact us online about a new home loan
Contact us online about your existing Gateway home loan
Download and print a home loan application form
Apply online now for a home loan
Apply via Online Banking, select "Apply for a Loan" (Members only)
* Important Information
1. Applications are subject to our normal credit assessment criteria.
2. Terms and Conditions apply and together with interest rates are subject to change.
3. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
4. Comparison rates are based on a loan amount of $150,000 over 25 years.
5. Loan Fees and charges apply. Other Fees and Charges may apply.
6. A redraw facility and/or a 100% Loan Offset Account is only available on variable rate loans. Fees and Charges may apply.
7. You must be registered for Online Banking to have a Redraw Facility. To register, contact Member Services on 1300 302 474.
8. The maximum amount available to be redrawn is restricted by normal online banking daily withdrawal limits of $5,000. If a greater amount is available due to your additional repayments and is required contact Gateway on 1300 302 474.
9. In relation to a 100% Loan Offset Account, please view our Terms and Conditions and Financial Services Guide.
10. Any advice provided does not take into account your personal circumstances or needs. You should consider whether the product is right for you.