Borrow up to 95% of your property's value

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With Gateway's Premium Package Home Loan, you can borrow up to 95% of your property's value.

3.95% pa
Owner-Occupier Variable Rate (LVR over 80% - 95%)1

4.26% pa
Comparison Rate

Calculate my borrowing capacity
If you're in the process of purchasing a new home, Gateway Credit Union can offer you a loan of up to 95% of your property's value. Gateway Credit Union is a customer owned institution where we put your first. 

Save

100% Offset

    Make regular deposits into your 100% offset facility to reduce the amount of interest you pay on your loan.

Optimise

Take advantage of fixed & variable rates

    With up to three free splits, you can choose to keep a portion of your home loan fixed and a portion variable.

Redraw

Make the most of your home loan

    A handy feature that lets borrowers with variable rate home loans make additional repayments to their loan, with the flexibility to access these funds when needed.

What happens next?

We know the home buying process can be daunting, that's why we work with you to keep things simple.

Step 1: Speak directly with a Lending Specialist

Step 2: Your loan will be assessed by one of our Lending Specialists

Step 3: Set-up your acounts from Gateway's range of banking solutions

Haven't found your perfect home just yet?

If you'd like to know more about recent sales in your suburb, why not get a FREE suburb report? Enter the details of the suburb you're interested in purchasing in and we will generate a suburb report so that you can compare recent sales in the area. 

I want my FREE suburb report

 

 

Important information:
Rates advertised apply to principal and interest repayment types only. Gateway reserves the right to vary these interest rates at any time. Comparison rates are calculated based on a loan amount of $150,000 over a 25 year term. WARNING: Comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might results in a different comparison rate. Applications for finance are subject to our standard credit assessment criteria. Full terms and condition are included in the loan offer. Fees and charges apply.
 1.Variable rate offer is available for a limited time only and may be varied or withdrawn at any time. This offer is available for new loans and top ups of $50,000 or more on owner-occupier loans with a loan to value ratio of more than 80% with principal and interest repayments. 2.Redraw is only available on variable rate home loans and requests are subject to approval. Minimum redraw amount is $500. You must be registered for Online Banking to use your Redraw Facility. The available loan redraw amount is calculated by taking the sum of any additional loan repayments you may have made, less your next scheduled loan repayment.