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Gateway Bank · Business loans
Commercial Property Loan IO
Gateway Bank's Commercial Property Loan IO is a business loan. The figures are the ones Gateway Bank publishes under the Consumer Data Right today. The advertised rate last moved on 13 October 2026, up from 8.84% to 9.09%.
Advertised rate
9.09%
headline tier
Tiers
2
current rate rows
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 8.84% and 9.09% over the last 30 days.
Every current rate (2)
| Tier | Rate |
|---|---|
| Variable, Investor, Interest only, LVR up to 60% | 9.09% |
| Variable, Investor, Interest only, LVR 60 to 70% | 9.19% |
Rate moves, last 30 days
- 13 October 2026: Variable, Investor, Interest only, LVR up to 60% lifted 0.25pp, from 8.84% to 9.09%.
- 13 October 2026: Variable, Investor, Interest only, LVR 60 to 70% lifted 0.25pp, from 8.94% to 9.19%.
Published fees
| Fee | Amount |
|---|---|
| Establishment Feeupfront: Payable at settlement. | $1,500 |
| Legal Feeupfront: Document preparation costs and out-of-pocket expenses. | $0 |
| Valuation Feewhen it happens: The amount of all valuation fees Gateway Bank incurs or has to pay its valuer in connection with a valuation of the property. | $0 |
| Monthly Feerecurring: Ongoing monthly service fee | $25 |
| Early Termination Feewhen it happens: Payable if the loan amount is paid in full within 3 years. | $0 |
| Split Loan Account Feewhen it happens: Two loan accounts (i.e. | $99 |
| Top Up Feewhen it happens: Payable at settlement when increasing loan borrowings | $500 |
| Rate Lock Feewhen it happens: Payable at application for Rate Lock in the prevailing fixed rate, valid for 90 days from request date. | $0 |
| Switch Feewhen it happens: Payable if Gateway agrees to vary the Loan Agreement on existing Gateway loan, for example; Repayment switch (e.g. | $150 |
| Security Variation Feewhen it happens: Payable if Gateway agrees to vary the security on an existing loan. | $200 |
| Discharge Feewhen it happens: Payable at the time of each discharge of mortgage Discharge Fee - First Security $300 Discharge Fee - Per additional Security $95 | $300 |
Other Gateway Bank business loans
Commercial Loan 3yr Fixed 8.39%Inv Commercial Loan 3yr Fixed 8.39%Commercial Loan 3yr Fixed IO 8.54%Inv Commercial 3yr Fixed IO 8.54%Commercial Plus 3yr Fixed 8.64%Green Commercial Property Loan 8.64%INV Commercial Plus 3yr Fixed 8.64%Inv Green Com Property Loan 8.64%Commercial Plus 3yr Fixed IO 8.79%Green Com Property Loan IO 8.79%INV Com Plus 3yr Fixed IO 8.79%Inv Green Com Property Loan IO 8.79%
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