Home Loan - Variable Rate
Home Loan - Variable Rate
- From (owner occupied)
- 8.68%
- 8.75% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Home Loan Variable Rate (<=95% LVR) | 8.68% | 8.75% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee Payable at settlement of new loan, and may be payable at substitution of security or when adding a new security | Upfront | $200.00 |
| Legal Fee Payable at settlement to cover solicitor's documentation costs | Upfront | $275.00 |
| Valuation Fee Payable if valuation required per property Applies to standard single residential dwellings to $1 million in Metro locations and $500,000 in Regional locations (maximum land area 2.2ha/5 acres) | Upfront | $325.00 |
| Top-Up Fee Payable at settlement when increasing loan borrowings | Event | $200.00 |
| Switch Fee Payable if Gateway agrees to vary the Loan Agreement on existing Gateway loan as follows: Product switch (e.g. from variable rate to a fixed rate) Repayment switch (e.g. P&I to Interest Only) Split (e.g. into part variable rate and part fixed rate) | Event | $150.00 |
| Security by Variation Security by Variation | Event | $200.00 |
Features
- Digital banking
- Access is available to online banking features for the product
- Extra repayments
- Unlimited extra repayments
- Ability to split your interest type between variable or fixed.
- Redraw facility
- Home loan redraw facilities allow borrowers to withdraw the additional funds they put into their variable rate home loan.
Eligibility
- Minimum age — 18 years
Constraints
- Maximum limit — $2,000,000.00
- Maximum LVR — 9500%
- Minimum limit — $20,000.00
More Information
Published by Gateway Bank under the Consumer Data Right · Last updated 1 July 2026 · Product ID 104 · View on CDR.gov.au