 | Some people claim to be able to predict movements in interest rates. I’m not one of them. I’m part of the school which believes that interest rates are as difficult to forecast as the weather. Sure, I have a general sense for where rates are headed in the immediate term. But no one can accurately fo...
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| | William Shakespeare’s tragedy, Hamlet, contains the famous soliloquy To be or not to be. While contemporary borrowers don’t face the same life or death question, they do ponder whether to fix or not to fix the interest rate on. ...
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| | Isn’t it strange how society often focuses on the plight of one group of people to the detriment of another? This phenomenon happens in all walks of life. Take health care for example. Prostate cancer kills more men in Australia each year than breast cancer kills women. Yet breast cancer receives mo...
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| | We can offer you simple solutions for your foreign currency requirements with American Express Foreign Exchange Services. Whether you are going overseas for a shopping spree or sending money to a family member abroad for their birthday, we offer a range of secure and convenient options to suit your ...
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| | A big surprise over the past eighteen months has been the strength of the A. In July last year the Aussie dollar hit a 25 year high of 98.49 US cents . While the activities of governments and corporations impact currency prices, you and I also influence exchange rates as domestic consumers, interna...
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| | Whenever interest rates rise, people look for a villain. We want to hold someone accountable for our pain and ensure they incur our wrath. Yet the reality is that spending by households (consumption) contributes significantly to aggregate demand which, in turn, fuels inflation. That’s why households...
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| | Paul Thomas' CEO Blog is available to download via podcast. You will always be able to find the latest podcast here. Date Title Download 2010 Podcasts 06/ 09/ 10 Depositor protection not a moral hazard 30/ 08/ 10 Postcard from Europe 23/ 08/ 10 Magic 16/ 08/ 10 Teenagers stealing mankind's thunder 09/ 08/ 10 ...
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| | Effective 01/ 09/ 2010 Honeymoon Home Loan Rate Comparison Fixed for 1 year 6.24% p.a. see below Option 1 discounted variable for next 2 years 6.94% p.a. 7.03% p.a. Option 2 discounted fixed for next 2 years 6.99% p.a. 7.04% p.a. For Option 1 & 2 - The prevailing discounted rate at end of year 1 is app...
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| | Shakespeare wrote that “parting is such sweet sorrow” but I’m actually feeling quite happy. This weekend Bev and I jet off to Europe and we’re very excited. We’ve been planning our vacation for some months and all that remains is to pack our bags and give the house sitters some final instructions. B...
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| | Shakespeare wrote that “parting is such sweet sorrow” but I’m actually feeling quite happy. This weekend Bev and I jet off to Europe and we’re very excited. We’ve been planning our vacation for some months and all that remains is to pack our bags and give the house sitters some final instructions. B...
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| | Effective 11/ 05/ 10 Car Loan Rate Comparison New car 9.09% p.a. 9.77% p.a. Up to 5 years old 9.99% p.a. 10.68% p.a. Over 5 years old 11.99% p.a. 12.68% p.a. Interest rate is variable Personal Loan Rate Comparison Without debt consolidation 11.99% p.a. 12.51% p.a. With debt consolidation 12.99% to 14.99% p.a. ...
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| | Concerned interest rates may rise in the next few years? A fixed rate loan helps you know exactly what your repayments will be - so you can be more confident with your budget for other expenses. You can lock in the rate for your entire loan for 1, 2 or 3 years – or fix a portion and leave the rest v...
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| | See yourself in a new car – drive away with our car loan. Contact us online about a car loan Download and print a car loan application form Apply via Online Banking , select "Apply for a Loan" (Members only) Features No account keeping fees Vehicle finder service Car Insurance assistance Competitive...
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| | All our Terms and Conditions and Product Disclosure Statements can be found here. To view simply click on the one you require. TERMS AND CONDITIONS Savings Accounts, Term Deposit Accounts & Payment Services T& Cs Online Banking Terms and Conditions CUE Call Terms and Conditions Visa Debit Car...
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 | Savings and Investments www.gatewaycu.com.au 1 Gateway Savings & Investments – Get More for Your Money Whether youre saving for something special or just want the security of knowing your hard-earned cash is getting a good return, Gateway offers fl exible and convenient ways to suit your savings pla...
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| | We humans are a cynical lot. And why shouldn’t we be Doubting Thomas’. We humans are a cynical lot. And why shouldn’t we be Doubting Thomas’ (excuse the pun) Everyday we are exposed to corporate and political “spin” and it’s hard to distil fact from fiction. As in Hans Christian Andersen’s fairy...
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| | Welcome to Gateway Credit Union www.gatewaycu.com.auGreat service, award-winning products and best of all – no ongoing fees Welcome to Gateway Credit Union Gateway Credit Union is a member-owned financial institution administered by a Member elected Board of Directors. We dont have to pay shareholde...
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| | Loans www.gatewaycu.com.auGateway Loans – why wait for what you want? Gateway helps make your dreams a reality with our convenient low interest loans. Whether you want to buy a car or a home, or simply borrow for something important such as a honeymoon or a renovation, theres a Gateway loan for you....
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| | Looking for a home loan with something extra? Our Discount Variable Home Loan offers you just that - flexibility. With a competitive discount variable rate for the first year plus discounted alternatives in years 2 & 3. Take advantage of a 100% Loan Offset Account and/or a Loan Redraw facility t...
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| | A home loan with features and the flexibility to meet your needs - whether buying your first home, upgrading or investing in residential property. Our variable rate home loan provides a competitive variable rate . You have the option of selecting a Redraw Facility and/or a100% Loan Offset Account en...
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| | Our Discount Variable Home Loan could be the answer Discounts in Years 2 & 3 for a Standard Variable Rate or a 2 Year Fixed Rate Redraw facility and/or 100% Loan Offset Find out more - call us on 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together wi...
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| | Our Discount Variable Home Loan could be the answer Discounts in Years 2 & 3 for a Standard Variable Rate or a 2 Year Fixed Rate Redraw facility and/or 100% Loan Offset Find out more - call us on 1300 302 474 or Contact Us Online * Important Information Terms and conditions apply and together wi...
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| | 2 year Fixed Rate Home Loan Low rate No account keeping fees No restrictions on additional repayments Fixed rate also available for 1 & 3 year terms To find out more call 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates are sub...
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| | 2 year fixed rate home loan Low rate No account keeping fees No restrictions on additional repayments Fixed rate also available for 1 & 3 year terms Find out more - call us on 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates ar...
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| | 3 year fixed rate home loan Low rate No account keeping fees No restrictions on additional repayments Fixed rate also available for 1 & 2 year terms Find out more - call us on 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates ar...
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| | Discount Variable Home Loan Discounts in Years 2 & 3 for a Standard Variable Rate or a 2 Year Fixed Rate Redraw facility and/or 100% Loan Offset Find out more - call us on 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates are su...
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| | Enjoy discounts in Years 2 & 3 for a Standard Variable Rate or a 2 Year Fixed Rate No account keeping fees Various repayment frequency options Find out more - call us on 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates are subj...
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| | Honeymoon Home Loan Enjoy discounts in Years 2 & 3 for a Standard Variable Rate or a 2 Year Fixed Rate No account keeping fees Flexible repayment options Ability to top up your loan to original amount at no extra cost To find out more call 1800 022 042 or Contact Us Online * Important Informatio...
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| | Enjoy discounts in Years 2 & 3 for a Standard Variable Rate or a 2 Year Fixed Rate No account keeping fees Various repayment frequency options To find out more call 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates are subject t...
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| | Enjoy discounts in Years 2 & 3 for a Standard Variable Rate or a 2 Year Fixed Rate No account keeping fees Various repayment frequency options To find out more call 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates are subject t...
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| | 3 year Fixed Rate Home Loan Low rate No account keeping fees No restrictions on additional repayments Fixed rate also available for 1 & 2 year terms To find out more call 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates are sub...
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| | 3 year Fixed Rate Home Loan Low rate No account keeping fees No restrictions on additional repayments Fixed rate also available for 1 & 2 year terms To find out more call 1800 022 042 or Contact Us Online * Important Information Terms and conditions apply and together with interest rates are sub...
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| | Effective 01/ 09/ 10 Special Term Deposits from 1,000 10,000 Term to 9,999 499,999 12 months 5.85% p.a. 6.10% p.a. Term Deposits from 1,000 50,000 Term to 49,999 499,999 3 months 5.45% p.a. 5.55% p.a. 6 months 5.80% p.a. 6.05% p.a. 24 months 6.10% p.a. 6.20% p.a....
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| | From time to time Gateway may reduce its lending interest rates . If this happens, you may wonder how this affects you or what action you should take. The following information will be of assistance. I have an ‘Interest Only’ loan or an EquitiSmart Home Loan – what should I do? No action is required...
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| | A sure way to grow your savings - with peace of mind knowing exactly what your investment is worth and when you’ll receive interest. Contact us online about savings & investment accounts Features Terms from 3 months to 5 years Minimum deposit 1,000 No account keeping fees Competitive interest r...
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| | Gateway offers you a choice of Home Loans, with competitive interest rates and no ongoing fees. For a limited time we are giving you 1,000* for Christmas in a Gateway eMax Saver or Everyday Savings Account. You just need to apply for one of our Home Loans by 30 November 2010 and as long as your loa...
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| | Gateway offers you a choice of Home Loans, with competitive interest rates and no ongoing fees. For a limited time we are giving you 1,000* for Christmas in a Gateway eMax Saver or Everyday Savings Account. You just need to apply for one of our Home Loans by 30 November 2010 and as long as your loa...
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| | Gateway offers you a choice of Home Loans, with competitive interest rates and no ongoing fees. For a limited time we are giving you 1,000* for Christmas in a Gateway eMax Saver or Everyday Savings Account. You just need to apply for one of our Home Loans by 30 November 2010 and as long as your loa...
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| | Gateway offers you a choice of Home Loans, with competitive interest rates and no ongoing fees. For a limited time we are giving you 1,000* for Christmas in a Gateway eMax Saver or Everyday Savings Account. You just need to apply for one of our Home Loans by 30 November 2010 and as long as your loa...
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| | Effective 11/ 05/ 10 High Interest Savings - eMax Saver Rate Up to 999 0.20% p.a. 1,000 and over 5.00% p.a. Interest is calculated on daily balances and credited monthly (on the last day of the month) Everyday Savings Rate Up to 2,499 0.50% p.a. From 2,500 to 9,999 1.35% p.a. From 10,000 to 24,999 ...
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| | Whether you’re taking a holiday, renovating your home, buying a car or need to consolidate debt, we have a personal loan to suit your needs. Contact us online about a personal loan Download and print a personal loan application form Apply via Online Banking , select "Apply for a Loan" (Members only)...
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| | 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. O...
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| | 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 bo...
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| | First Home Owner Grant In July 2000 the First Home Owner Grant (FHOG) of 7,000 was introduced nationally to assist first home buyers. Eligibility and the grant amount differ between states and territories and if the property is established or new. It is highly recommended you visit the FHOG website...
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| | View Gateway’s Competitive Interest Rates and compare them directly with our competitors...
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| | There’s no escaping the fact that we’re surrounded by brands – they’re part and parcel of everyday life. Maybe you start your day with some Kellogg’s Cornflakes. Then you drive your Ford Falcon to the railway car park. On arrival at work you have a Nescafe coffee. During the day, you pound away on a...
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| | If you’re a baby boomer or older, you’ll recall the TV ads from the 1970s for the non-alcoholic drink, Claytons. It was marketed as “the drink you have when you’re not having a drink” Quantitative easing (QE) is like Claytons’ money – the money you manufacture without actually printing it. QE enable...
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| | Governments around the world are currently running large budget deficits as a result of massive spending sprees. Governments have been funding financial bailouts and stimulus packages to avoid a global economic meltdown and many are now in the red. Governments. Governments around the wo...
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| | . Are you hoping to fix your home loan interest rate? Yes No. Summary ...
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| | Check out our interest rates. Summary Check ouCheck out our& 160...
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| | Interest Rate. Interest Rates . Summary Interest Rate. ...
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| | A 100% Loan Offset Account helps you minimise interest costs on your Variable Rate Home Loan or Discount Variable Rate Home Loan and potentially shorten the overall term of the loan. Like a redraw facility, a 100% Loan Offset Account delivers the flexibility to access your funds whenever you need th...
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| | Gateway’s Term Deposits offer high returns Earn 6.10% p.a. - invest 10,000 or more for 12 months Government Guaranteed Deposits up to 1M Flexible interest payment options To find out more call 1800 186 412 or Contact Us Online * Important Information 1. Interest rates are subject to change. Details...
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| | Gateway’s Term Deposits offer high returns Earn 6.10% p.a. - invest 10,000 or more for 12 months Government Guaranteed Deposits up to 1M Flexible interest payment options To find out more call 1800 186 412 or Contact Us Online * Important Information 1. Interest rates are subject to change. Details...
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| | Gateway’s Term Deposits offer high returns Earn 6.10% p.a. - invest 10,000 or more for 12 months Government Guaranteed Deposits up to 1M Flexible interest payment options To find out more call 1800 186 412 or Contact Us Online * Important Information 1. Interest rates are subject to change. Details...
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| | Gateway’s Term Deposits offer high returns Earn 6.10% p.a. - invest 10,000 or more for 12 months Government Guaranteed Deposits up to 1M Flexible interest payment options To find out more call 1800 186 412 or Contact Us Online * Important Information 1. Interest rates are subject to change. Details...
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| | A redraw facility helps you minimise interest costs on your Variable Rate Home Loan or Discount Variable Rate Home Loan and potentially shorten the overall term of the loan. Extra repayments you make towards your home loan are considered accessible funds. These funds are available for you to use for...
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| | Get a Home Loan with Gateway. We'll make you money happy! For a limited time we are giving you 1,000* for Christmas in a Gateway eMax Saver or Everyday Savings Account. You just need to apply for one of our Home Loans by 30 November 2010 and as long as your loan is for 150,000 or more and is funde...
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| | Get a Home Loan with Gateway. We'll make you money happy! For a limited time we are giving you 1,000* for Christmas in a Gateway eMax Saver or Everyday Savings Account. You just need to apply for one of our Home Loans by 30 November 2010 and as long as your loan is for 150,000 or more and is funde...
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| | Our new Discount Variable Home Loan could be the answer 4.74% p.a. Variable Rate for Year 1 Plus discounts in Years 2 & 3 for a Standard Variable Rate or a 2 Year Fixed Rate Redraw facility * Terms and conditions apply and together with interest rates (effective 17/ 04/ 09) are subject to change. V...
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| | There is a massive amount of press at the moment regarding the global financial crisis. Understandably, this is feeding concerns and creating uneasiness within the Australian community. Members can be confident dealing with Gateway Credit Union. Gateway Credit Union has been trading profitably for o...
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| | Whether you are purchasing property for the first time or you have been through the process before, it can still be stressful. Gateway can ease the stress, with 5 Steps to your home loan . The most important aspects of this process are not only selecting the right property, but making sure the loan ...
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| | Buying your first home is a major financial and lifestyle decision. It can also be a very confusing and stressful time, especially if you don’t have the right support. Gateway can help take the pressure off with some handy tips and advice: Simply see 5 Steps to your Home Loan so you know what to do ...
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| | Superannuation is important because it may turn out to be your only means of financial support in retirement. A basic retirement versus a great retirement Would you like to enjoy your future without having to worry about money? Unfortunately many people have a shortfall in their retirement savings. ...
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| | Saving is putting money aside for a short term goal or in case of emergency. Generally, funds are held at call and might earn a relatively low rate of interest. Investing is strategically putting your money to work for the longer term, usually with the aim to build wealth and increase your financial...
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| | A flexible credit line ready and waiting for when you need it. Contact us online about a personal line of credit Download and print a personal line of credit application form Apply via Online Banking , select "Apply for a Loan" (Members only) Features No account keeping fees Maximum credit limit of ...
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| | The home loan market in Australia is very competitive and lenders are constantly striving to improve product offerings. If you’ve had your current loan for a few years, it’s probably time to check you've still got the best deal. Currently, it’s relatively easy to refinance your mortgage to another l...
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| | New Standard Home Loans Establishment Fee This fee includes loan establishment, valuation and documentation for standard applications. Additional charges may apply for more complex applications; i.e. multiple security properties, Company or Trust involvement or guarantees etc. Details of additional ...
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| | A great way to maximise your savings. Whether you’re a serious investor or simply looking for a competitive rate, eMax Saver can help boost your savings. Contact us online about savings & investment accounts Features 5.00% p.a. at call for balances 1,000 or more No account keeping fees Unlimite...
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| | 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. O...
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| | Gateway’s Term Deposits offer high returns Earn 6.26% p.a. - invest 10,000 or more for 12 months Government Guaranteed Deposits up to 1M Flexible interest payment options To find out more call 1800 186 412 or Contact Us Online * Important Information 1. Interest rates are effective 28/ 04/ 10 and are...
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| | Gateway's a winner! And has won the following awards. Best Everyday Account, Best of the Best 2010 Gateway’s strategy of offering solid rates and competitive product features has paid off again. At the Money magazine Best of the Best Awards for 2010, our Everyday Savings Account took out the top awa...
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| | In 1935 Prime Minister, Billy Hughes , admonished Australians to “populate or perish” Seventy-five years later our population has risen to 22 million and is predicted to reach 35 million by 2050. Meanwhile, global population is set to hit 7 billion early in 2012 and 9.1 billion in 2050. Every year m...
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| | Member Update: Monday, 14 December 2009 Gateway Credit Union today launched a strategic alliance with Yellow Brick Road (YBR) YBR is an independent financial services group providing financial advice, financial services, insurance and estate planning. Established in 2007, YBR is owned by Mark Bouris...
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| | Are you studying and looking to ease the associated financial pressure? Our Student Loans will help take care of your tuition fees and provide you with peace of mind so you can focus on your studies. Contact us online about a student loan Download and print a student loan application form Apply via ...
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| | For most Australians their home is their biggest asset, which is why tracking house prices runs deep in our national psyche. We all know our home is worth what someone is prepared to pay for it. Beyond that, the law of supply and demand explains how buyers and sellers interact to determine property ...
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| | Even though economists can’t forecast (see my recent blog ) this hasn’t stopped the economic Nostradamuses trying to predict the shape of the world’s growth trajectory. Having survived the worst financial crisis since the Great Depression, investors around the world are now being bombarded with comm...
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| | Don't let this one get away Investment Amount 6 Mth Term 12 Mth Term 50,000 or more % p.a. % p.a. Less than 50,000 % p.a. % p.a. This offer is only available for new funds not currently invested in Gateway. Interest payable at maturity only. Interest rates are effective 15/ 09/ 08 and subject to ch...
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| | . Do you believe interest rates will rise? Yes No. Summary ...
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| | The underlying message in the blogs I’ve written over the past year is this Economics is a social science. It is the study of human nature as it applies to money. When the history of the Great Credit Crisis. The underlying message in...
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| | At Gateway we are committed to providing great service and value to our Members. To achieve this we are always on the lookout for talented people who are innovative, energetic and ambitious. Learn about Gateway and our Vision, Mission and Values . What we offer We offer you the o. ...
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| | When my wife and I travelled to Europe in 2001 we carried a number of currencies including Italian liras, Greek drachmas and French francs. A year later we returned to see more of Europe and carried only one currency - the euro. The introduction of the euro simplified life for travellers and increas...
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| | Gateway will be reducing all ‘variable’ lending interest rates with effect from 12 September 2008. In case you were wondering how this affects you or what you should do, we have a few scenarios explaining what action can be taken. I have an ‘Interest Only’ loan or an EquitiSmart Home Loan – what sho...
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| | We all know that life is not a spectator sport. Each of us has the capacity to determine our own destiny. Some people seemingly have their life mapped out while others just watch their future unfold. We are constantly told. We all know that life is not a spectator sport. Ea...
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| | Psst…wanna know a secret? The best way to ride out the current crisis in financial markets is to stay calm. Want another tip? Don’t believe all the gloom and doom of the popular press. Like more helpful advice? Ignore the. Psst…wanna know a secret? ...
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| | Simply fill out your details below and a Gateway Home Loan Specialist will contact you. Your details Title: Select - Mr Mrs Miss Ms Dr Prof First Name: Last Name: Area Code Number Phone: Mobile: Please provide at least one contact number Preferred contact time: between Select 9:00am 10:00am 11:...
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| | Apply for a Loan Online. test rates. Summary Apply for a Loan Online. ...
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| | Savings Accounts, Term Deposit Accounts & Payment Services www.gatewaycu.com.au PRODUCT DISCLOSURE STATEMENT (PDS) Effective from 1 October 2009Savings Accounts, Term Deposit Accounts & Payment Services This Product Disclosure Statement (PDS) provides you with information about Gateway Credit Union ...
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| | Security Certificate This website is secured by a VeriSign SSL Certificate. ABOUT SSL CERTIFICATES SECURITY GUIDELINES Access Method Your Gateway Credit Union Membership Number, Member login, Personal Identification Number (PIN) Password, Factor 2 Icons and Secure SMS codes are the keys to accessing...
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| | Fees & Charges Effective from 1 January 2007 Gateway Credit Union Ltd ABN 47 087 650 093 AFSLN 238293 How To Contact Us Registered Office Level 11, 60 Castlereagh Street Sydney NSW 2000 Postal Address GPO Box 3176 Sydney NSW 2001 Phone 1300 302 474 Fax 02 9312 9799 Email memberservices@gatewaycu.com...
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