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Gateway Bank · Home loans
Home Loan - Variable Rate
Gateway Bank's Home Loan - Variable Rate is a home 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 8.68% to 8.93%.
Advertised rate
8.93%
headline tier
Comparison rate
9.00%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 8.68% and 8.93% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 95% | 8.93% | 9.00% |
Rate moves, last 30 days
- 13 October 2026: Variable, Owner occupier, P&I, LVR up to 95% lifted 0.25pp, from 8.68% to 8.93%.
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 by Variationwhen it happens: Security by Variation | $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: Payable at settlement and then again on each anniversary. | $0 |
| Split Loan Account Feeupfront: Two loan accounts (i.e. | $99 |
| Mortgage Registration Feeupfront: Government charges at cost | $0 |
Other Gateway Bank home loans
Green Plus Home Loan 6.10%Low Rate Essentials 6.14%Allium Money Essentials 6.19%Allium Money Premium 6.24%Premium Package 6.24%Allium Money Essentials IO 6.34%Green Home Loan 6.35%Allium Premium 1Yr Fixed 6.52%Allium Money Premium IO 6.54%Premium Package 1Yr Fixed 6.54%Allium Premium 2Yr Fixed 6.57%Green Plus Home Loan IO 6.59%
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