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 or an Offset Savings Account, you can minimise your interest costs and potentially shorten the term of your loan.
Contact us online about a new home loan
Downloand and print a home loan application form
Redraw or 100% Offset Option
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You may choose between:
A Redraw Facility - make additional repayments to reduce your loan balance and the accured loan interest
or
An Offset Savings Account – reduce accrued loan interest by offsetting your everyday savings
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Ability to split
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Your variable rate loan can also be split and combined with a Fixed Rate Loan
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Loan Amount
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- Minimum $20,000
- 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 security property valuation
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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 (up to 3 years)
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Additional Repayments
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No restrictions – so you can pay off your loan faster and save on interest costs
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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 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
Downloand 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.
4. A choice between a Redraw Facility or an Offset Savings Account is only available on variable loans.
5. You must be registered for Online Banking to have a Redraw Facility. To register, contact Member Services on 1300 302 474.
6. Please read the relevant Product Disclousure Statements.