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
Initial Period
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Introductory fixed rate in first year
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Additional Discount
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In years 2 & 3 choose between:
0.15% off our standard variable rate
or
0.10% off our standard 2 year fixed rate
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Conversion Options
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At the end of Year 3 automatically converts to a Variable Rate Home Loan
You may also choose a Fixed Rate Loan
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Loan Amount
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- Minimum $50,000
- Maximum 95% of security property valuation
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Lenders Mortgage Insurance
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Applicable if you borrow more than 80% of the security property valuation
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Splits
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Loan can be split into variable and/or fixed rate portions
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Loan Term
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Up to 30 years
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Repayment Options
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- Weekly
- Fortnightly
- Monthly
- Principal plus interest
- Interest only
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Additional Payments
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- 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
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Application Fee
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None
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Setup Costs
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You will 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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Account Keeping Fees
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None
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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
1. Applications are subject to our normal credit assessment criteria.
2. Terms and Conditions apply and together with interest rates are subject to change. Details of fees and charges are available on request.