Whatever your situation - first homebuyer, upgrading or investing in residential property, an introductory rate can help you minimise repayments during those important early years of your loan.
By starting out with a lower rate, managing cash flow can be easier - helping you get ahead financially.
Our Honeymoon Home Loan offers a competitive fixed rate for the first year plus discounts in years two and three.
Contact us online about a new home loan
Download and print a home loan application
Apply via Online Banking, select "Apply for a Loan" (Members only)
Initial Period
|
Introductory fixed rate in first year
|
Additional Discount
|
In years 2 & 3 choose between:
Option 1: 0.15%p.a. off our standard variable rate
or
Option 2: 0.10%p.a. off our standard 2 year fixed rate
|
Conversion Options
|
At the end of Year 3 automatically converts to a Variable Rate Home Loan
You may also choose a Fixed Rate Loan
|
Loan Amount
|
- Minimum $50,000
- Maximum 95% of security property valuation
|
Lenders Mortgage Insurance
|
Applicable if you borrow more than 80% of the security property valuation
|
Splits
|
Loan can be split into variable and/or fixed rate portions
|
Rate Lock
|
Take advantage of the current interest rate for 90 days, apply for a Rate Lock (Fees apply)
|
Loan Term
|
Up to 30 years
|
Repayment Options
|
- Weekly
- Fortnightly
- Monthly
- Principal plus interest
- Interest only
|
Additional Payments
|
- Variable Rate portion – No restrictions
- Fixed Rate portion – No restrictions.
- Please note you may have to pay a fee if you repay your entire loan within the first 3 years
|
Loan Setup Costs
|
Yes - Refer to Loan Fees
|
Account Keeping Fees
|
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
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. View the Comparison Rate Schedule.
5. Loan Fees and charges apply. Other Fees and Charges may apply.