A home loan packed with features and the flexibility to meet your changing needs - EquitiSmart can be used for any worthwhile purpose.
Unlock the equity in your home - start a share portfolio, buy an investment property, a new car or take a holiday – the choice is up to you.
Ideal for disciplined borrowers – you can also have your salary credited directly to your EquitiSmart loan and draw funds whenever you need.
Contact us online about a new home loan
Download and print a home loan application form
Loan Amount
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- Minimum $20,000
- Maximum 80% of security property valuation
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Ongoing Fees
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No monthly account keeping or transaction fees
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Interest Rate
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Access
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- Draw funds whenever you need
- Full account access via Online Banking or Cue Call
- Automatic payments to and from your account
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Payment Options
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No need to make regular repayments provided you maintain the balance below your approved credit limit
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Portability
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If you sell your home and buy a new one, you can request to keep the same loan – without having to apply again. Our normal credit criteria will apply
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Application Fee
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None
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Setup Costs
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You may be required to reimburse Gateway for specific third party costs such as legal fees, valuation of security property and Government charges (details on request)
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Contract Fees
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Over the life of your loan contract, Government charges, credit fees and other charges may apply (details on request)
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| 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
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. Details of fees and charges are available on request.