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Gateway Bank · Home loans
Low Rate Essentials
Gateway Bank's 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 5.89% to 6.14%.
Advertised rate
6.14%
headline tier
Comparison rate
6.16%
as published
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 5.89% and 6.14% over the last 30 days.
Every current rate (6)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 50% | 6.14% | 6.16% |
| Variable, Owner occupier, P&I, LVR 50 to 60% | 6.14% | 6.16% |
| Variable, Owner occupier, P&I, LVR 60 to 70% | 6.19% | 6.21% |
| Variable, Owner occupier, P&I, LVR 70 to 80% | 6.44% | 6.46% |
| Variable, Owner occupier, P&I, LVR 80 to 85% | 6.49% | 6.51% |
| Variable, Owner occupier, P&I, LVR 85 to 95% | 6.75% | 6.77% |
Rate moves, last 30 days
- 13 October 2026: 6 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR 50 to 60%, from 5.89% to 6.14%.
Published fees
| Fee | Amount |
|---|---|
| Discharge Fee - First Securityon exit: Discharge Fee - First Security | $300 |
| 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 - Per Additional Securityon exit: Discharge Fee - Per Additional Security | $95 |
| Establishment Feeupfront: Nil. | $0 |
| Valuation Feeupfront: Nil 1st Valuation then $325. | $0 |
| Legal Feeupfront: Payable at settlement to cover solicitor's documentation costs | $275 |
| Split Feeupfront: Split Fee. | $0 |
| Exit Feeon exit: Nil | $0 |
| Annual Package Feeupfront: Nil. | $0 |
| Mortgage Registration Feeupfront: Government charges at cost | $0 |
Other Gateway Bank home loans
Green Plus Home Loan 6.10%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%Premium Package 2Yr Fixed 6.59%
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