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Gateway Bank · Home loans · restricted
Inv Construction Loan
Gateway Bank's Inv Construction Loan is a home loan open only to a stated occupation, employer or membership. 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 9.63% to 9.88%.
Advertised rate
9.88%
headline tier
Comparison rate
9.95%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 9.63% and 9.88% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Investor, P&I, LVR up to 90% | 9.88% | 9.95% |
Rate moves, last 30 days
- 13 October 2026: Variable, Investor, P&I, LVR up to 90% lifted 0.25pp, from 9.63% to 9.88%.
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 |
| Construction Final Inspection Feewhen it happens: Payable when inspection/valuation is undertaken at final draw down | $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 |
| Split Loan Account Feeupfront: Nil, up to 2 loan accounts. | $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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