---
title: "Land Loan Variable Rate — Gateway Bank"
description: "Home Loans from Gateway Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/gateway-bank/products/113
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T06:00:32.1494081Z
---

# Land Loan Variable Rate — Gateway Bank

> Home Loans from Gateway Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Land Loan Variable Rate

## At a glance

- **From (owner occupied):** 8.68% (8.75% comparison)

## Apply

Applications are handled by the provider: [Apply at Gateway Bank](https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/land-loan-owner-occupied/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Land 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 Variation Fee — Payable if Gateway agrees to vary the security on an existing loan | Event | $200.00 |
| Discharge Fee - First Security — Discharge Fee - First Security | Exit | $300.00 |
| Discharge Fee - Per Additional Security — Discharge Fee - Per Additional Security | Exit | $95.00 |
| Additional Valuation Fee — Payable at cost if we or you decide to obtain an additional valuation report (which we may do at any time) | Event | $0.00 |
| Split Loan Account Fee — Two loan accounts (i.e. Variable & Fixed) free. Fee for subsequent splits | Upfront | $99.00 |
| Mortgage Registration Fee — Government charges at cost | Upfront | $0.00 |
| Annual Package Fee — Payable at settlement and then again on each anniversary. Nil for Land Loan | Upfront | $0.00 |

## Features

- **Digital banking** (Access is available to online banking features for the product)
- **Extra repayments** (Unlimited extra repayments)
- **Offset account** (An offset account is a transactional account that is linked to your home loan. Any balance in this account is offset against an equivalent portion of your home loan balance and generates an interest reduction on your loan)
- **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** — 8000%
- **Minimum limit** — $50,000.00

## More information from Gateway Bank

- [Overview](https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/land-loan-owner-occupied/)
- [Terms & conditions](https://www.gatewaybank.com.au/important-information)
- [Fees & pricing](https://www.gatewaybank.com.au/media/tpnjx0rz/gateway_loan-fees-and-charges.pdf)

## Data provenance

- Published by Gateway Bank under the Consumer Data Right
- Product ID: `113`
- Last updated by the provider: 1 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gateway-bank/113
- Provider page: https://www.cdrcompare.au/brands/gateway-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000132

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/gateway-bank/products/113) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)