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Gateway Bank rates

Gateway Bank publishes 159 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.

Gateway Bank's lowest home loan rate is 6.14% on Low Rate Essentials, 0.60 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 4.65% on SMSF Savings Account, 0.65 points above the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. Gateway Bank repriced 63 products in the last 30 days, most recently lifting Term Deposit 3 Months on 30 October 2026, from 5.05% to 5.10%.

Home loans

ProductAdvertised rateComparison rate
Green Plus Home Loan restricted6.10%6.38%
Low Rate Essentials6.14%6.16%
Allium Money Essentials6.19%6.19%
Allium Money Premium6.24%6.24%
Premium Package6.24%6.52%
Allium Money Essentials IO6.34%6.34%
Green Home Loan restricted6.35%6.63%
Allium Premium 1Yr Fixed6.52%6.27%
Allium Money Premium IO6.54%6.54%
Premium Package 1Yr Fixed6.54%6.60%
Allium Premium 2Yr Fixed6.57%6.31%
Green Plus Home Loan IO restricted6.59%6.87%
Premium Package 2Yr Fixed6.59%6.63%
Inv Green Plus Home Loan restricted6.63%6.91%
Allium Money Essentials Inv6.64%6.64%
Inv Low Rate Essentials6.64%6.66%
Allium Premium 3Yr Fixed6.67%6.37%
Premium Package 3Yr Fixed6.69%6.69%
Allium Essentials 1yr Fixed6.74%6.25%
Inv Premium Package6.74%7.02%
Inv Green Plus Home Loan IO restricted6.75%7.03%
Allium Essentials 2yr Fixed6.79%6.31%
Allium Money Essentials Inv IO6.79%6.79%
Allium Money Premium Inv6.79%6.79%
Green Home Loan IO restricted6.80%7.07%
Allium Money Premium Inv IO6.84%6.84%
Inv Premium Package I/O6.84%7.11%
Allium Essentials 3yr Fixed6.89%6.39%
Inv Low Rate Essentials I/O6.89%6.91%
Home Loan 1yr Fixed Rate6.94%8.77%
Allium Premium 3Yr Fixed IO6.97%6.45%
Inv Allium Prem 2Yr Fixed6.97%6.83%
Inv Premium Pack 2yr Fixed6.99%7.18%
Premium Package 3Yr Fixed I/O6.99%6.77%
Allium Premium 1Yr Fixed IO7.02%6.32%
Allium Premium 2Yr Fixed IO7.02%6.40%
Inv Allium Prem 1Yr Fixed7.02%6.82%
Home Loan 2yr Fixed Rate7.04%8.59%
Inv Premium Pack 1yr Fixed7.04%7.17%
Premium Package 1Yr Fixed I/O7.04%6.65%
Premium Package 2Yr Fixed I/O7.04%6.72%
Allium Essentials 3yr Fixed IO7.07%6.45%
Inv Allium Prem 3Yr Fixed IO7.07%6.88%
Home Loan 3yr Fixed Rate I/O7.09%8.43%
Inv Premium Pack 3yr Fixed I/O7.09%7.22%
Premium Package 5yr Fixed7.09%6.93%
Inv Allium Prem 2Yr Fixed IO7.12%6.86%
Inv Allium Prem 3Yr Fixed7.12%6.89%
Inv Allium Ess 3yr Fixed7.13%6.79%
Allium Essentials 1yr Fixed IO7.14%6.29%
Allium Essentials 2yr Fixed IO7.14%6.38%
Home Loan 2yr Fixed Rate I/O7.14%8.61%
Home Loan 3yr Fixed Rate7.14%8.44%
Inv Home Loan 3yr Fixed7.14%8.95%
Inv Premium Pack 2yr Fixed I/O7.14%7.21%
Inv Premium Pack 3yr Fixed7.14%7.23%
Low Rate Essentials Int Only7.14%7.16%
Inv Allium Ess 1yr Fixed7.22%6.70%
Inv Allium Ess 2yr Fixed7.22%6.76%
Inv Allium Prem 1Yr Fixed IO7.22%6.84%
Home Loan 1yr Fixed Rate I/O7.24%8.80%
Inv Home Loan 1yr Fixed7.24%9.46%
Inv Home Loan 2yr Fixed7.24%9.21%
Inv Premium Pack 1yr Fixed I/O7.24%7.19%
Premium Package I/O7.24%7.51%
Inv Allium Ess 3yr Fixed IO7.27%6.83%
Inv Home Loan 3yr Fixed I/O7.29%9.00%
Inv Allium Ess 2yr Fixed IO7.32%6.78%
Home Loan 5yr Fixed7.34%8.26%
Inv Home Loan 2yr Fixed I/O7.34%9.23%
Inv Allium Ess 1yr Fixed IO7.42%6.73%
Inv Home Loan 1yr Fixed I/O7.44%9.48%
Inv Home Loan 5yr Fixed7.49%8.71%
Inv Premium Pack 5yr Fixed7.59%7.48%
Inv Premium Pack 5yr Fixed I/O7.59%7.48%
Premium Package 5yr Fixed I/O7.59%7.15%
Home Loan 5yr Fixed I/O7.69%8.42%
Inv Home Loan 5yr Fixed I/O7.69%8.81%
Construction Loan Var Rate restricted8.93%9.00%
Home Loan - Variable Rate8.93%9.00%
Land Loan Variable Rate8.93%9.00%
Land Loan Var Rate I/O9.75%9.82%
Inv Construction Loan restricted9.88%9.95%
Inv Home Loan Variable9.88%9.95%
Inv Land Loan Variable9.88%9.95%
Inv Home Loan Variable I/O10.31%10.38%
Inv Land Loan Variable I/O10.47%10.54%

Savings accounts

ProductAdvertised rate
SMSF Savings Account4.65%
Goal Saver4.50%
eMax Saver Account4.20%
Dollaroo Junior Savers4.00%
Savings Account0.25%

Term deposits

ProductAdvertised rate
Package TD 12 Months5.65%
Package TD 6 Months5.55%
Term Deposit 12 Months5.55%
Term Deposit 6 Months5.45%
Package TD 9 Months5.40%
Term Deposit 9 Months5.30%
Package TD 3 Months5.20%
Term Deposit 3 Months5.10%
Package TD 24 Months1.70%
Package TD 36 Months1.70%
Term Deposit 24 Months1.60%
Term Deposit 36 Months1.60%
Package TD 7 Months1.30%
Package TD 10 Months1.20%
Package TD 11 Months1.20%
Term Deposit 7 Months1.20%
Term Deposit 10 Months1.10%
Term Deposit 11 Months1.10%
Package TD 8 Months1.05%
Term Deposit 8 Months0.95%
Package TD 4 Months0.80%
Package TD 5 Months0.80%
Package TD 15 Months0.75%
Package TD 18 Months0.75%
Package TD 21 Months0.75%
Package TD 48 Months0.75%
Package TD 60 Months0.75%
Term Deposit 4 Months0.70%
Term Deposit 5 Months0.70%
Term Deposit 15 Months0.65%
Term Deposit 18 Months0.65%
Term Deposit 21 Months0.65%
Term Deposit 48 Months0.65%
Term Deposit 60 Months0.65%

Transaction accounts

ProductAdvertised rate
Christmas Club3.25%
Community Account3.25%
Eco Advantage Transaction Acct2.00%

Personal loans

ProductAdvertised rateComparison rate
Gateway Eco Loan5.75%
Car Loan7.04%7.25%
Personal Loan11.59%12.63%
Fixed Rate Personal Loan12.34%13.39%

Business loans

ProductAdvertised rate
Commercial Loan 3yr Fixed8.39%
Inv Commercial Loan 3yr Fixed8.39%
Commercial Loan 3yr Fixed IO8.54%
Inv Commercial 3yr Fixed IO8.54%
Commercial Plus 3yr Fixed8.64%
Green Commercial Property Loan8.64%
INV Commercial Plus 3yr Fixed8.64%
Inv Green Com Property Loan8.64%
Commercial Plus 3yr Fixed IO8.79%
Green Com Property Loan IO8.79%
INV Com Plus 3yr Fixed IO8.79%
Inv Green Com Property Loan IO8.79%
Commercial Property Loan8.94%
Inv Commercial Property Loan8.94%
Commercial Property Loan IO9.09%
Inv Commercial Loan IO9.09%
Commercial Plus Loan9.19%
INV Commercial Plus Loan9.19%
Commercial Plus Loan IO9.34%
Inv Com Plus Loan I/O9.34%

Overdrafts

ProductAdvertised rateComparison rate
Edge Account2.25%
Reverse Mortgage Lump Sum8.50%8.58%
Reverse Mortgage Access8.74%8.82%
EquitiSmart Home Loan9.75%
Inv EquitiSmart Home Loan10.37%
Edge Overdraft11.74%

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