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Gateway Bank · Overdrafts
EquitiSmart Home Loan
Gateway Bank's EquitiSmart Home Loan is a overdraft. 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 9.50% to 9.75%.
Advertised rate
9.75%
headline tier
Tiers
1
current rate rows
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 9.50% and 9.75% over the last 30 days.
Every current rate (1)
| Tier | Rate |
|---|---|
| Variable, Owner occupier, Interest only, LVR up to 80% | 9.75% |
Rate moves, last 30 days
- 13 October 2026: Variable, Owner occupier, Interest only, LVR up to 80% lifted 0.25pp, from 9.50% to 9.75%.
Published fees
| Fee | Amount |
|---|---|
| Establishment Feeupfront: Payable at settlement of new loan, and may be payable at substitution of security or when adding a new security | $200 |
| Legal Feeupfront: Payable at settlement to cover solicitor's documentation costs | $275 |
| Valuation Feeupfront: Payable if valuation required per property Applies to standard single residential dwellings to $1 million in Metro locations and $500,000 in Regional locatio | $325 |
| Top-Up Feewhen it happens: Payable at settlement when increasing loan borrowings | $200 |
| Switch Feewhen it happens: Payable if Gateway agrees to vary the Loan Agreement on existing Gateway loan as follows: Product switch (e.g. | $150 |
| Security Variationwhen it happens: Payable if Gateway agrees to vary the security on an existing loan | $200 |
| Discharge Fee - First Securityon exit: Discharge Fee - First Security | $300 |
| Discharge Fee - Per Additional Securityon exit: Discharge Fee - Per Additional Security | $95 |
| Additional Valuation Feewhen it happens: Payable at cost if we or you decide to obtain an additional valuation report (which we may do at any time) | $0 |
| Annual Package Feeupfront: Nil for Equitysmart Line of Credit | $0 |
| Mortgage Registration Feeupfront: Government charges at cost | $0 |
Other Gateway Bank overdrafts
Edge Account 2.25%Reverse Mortgage Lump Sum 8.50%Reverse Mortgage Access 8.74%Inv EquitiSmart Home Loan 10.37%Edge Overdraft 11.74%
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