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Gateway Bank · Home loans
Inv Low Rate Essentials
Gateway Bank's Inv Low Rate Essentials 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 6.39% to 6.64%.
Advertised rate
6.64%
headline tier
Comparison rate
6.66%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 6.39% and 6.64% over the last 30 days.
Every current rate (6)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Investor, P&I, LVR up to 50% | 6.64% | 6.66% |
| Variable, Investor, P&I, LVR 50 to 60% | 6.74% | 6.76% |
| Variable, Investor, P&I, LVR 60 to 70% | 6.84% | 6.86% |
| Variable, Investor, P&I, LVR 70 to 80% | 6.89% | 6.91% |
| Variable, Investor, P&I, LVR 80 to 85% | 7.08% | 7.10% |
| Variable, Investor, P&I, LVR 85 to 90% | 7.23% | 7.25% |
Rate moves, last 30 days
- 13 October 2026: 6 tiers lifted 0.25pp; the lowest, Variable, Investor, P&I, LVR up to 50%, from 6.39% to 6.64%.
Published fees
| Fee | Amount |
|---|---|
| Legal Feeupfront: Payable at settlement to cover solicitor's documentation costs | $275 |
| 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 Variation Feewhen 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 |
| Establishment Feeupfront: Nil for Low Rate Essentials | $0 |
| Valuation Feeupfront: Nil 1st Valuation then $325 Payable if valuation required per property Applies to standard single residential dwellings to $1 million in Metro locations and | $0 |
| Annual Package Feeupfront: Nil for Low Rate Essentials Loans | $0 |
| Split Loan Account Feeupfront: Nil, up to 2 loan accounts. | $99 |
| Mortgage Registration Feeupfront: Government charges at cost | $0 |
| Exit Feeon exit: Nil for Low Rate Essentials Loans | $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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