---
title: "Premium Package 3Yr Fixed I/O — 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/132
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-29T12:00:30.6455320Z
---

# Premium Package 3Yr Fixed I/O — 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**

Premium Package 3Yr Fixed I/O

## At a glance

- **From (owner occupied):** 6.99% (6.6% comparison)

## Apply

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

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 3 years (Premium Package - 3 Yr Fixed I/O (<=95% LVR)) | 6.99% | 6.6% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Switch Fee — Nil for 1st switch then $150. 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 |
| Premium Annual Package Fee — Charged yearly · Annual Package Fee. Payable at settlement and then again on each anniversary · Discount −100% of fee — The discount is only available during an introductory period | Ongoing | $299.00 |
| Discharge Fee - First Security — Discharge Fee - First Security | Exit | $300.00 |
| Discharge Fee - Per Additional Security — Discharge Fee - Per Additional Security | Exit | $95.00 |
| Legal Fee — Nil for Premium Package Loans | Upfront | $0.00 |
| Valuation Fee — Nil 1st Valuation then $325 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 | $0.00 |
| Additional Valuation Fee — Nil for Premium Package Loans | Event | $0.00 |
| Top up fee — Top up fee. Nil 1st top up, then $200 Payable at settlement when increasing loan borrowings | Transaction | $0.00 |
| Rate Lock Fee — Payable at application for Rate Lock in the prevailing fixed rate, valid for 90 days from request date. 0.15% of locked loan amount | Upfront | $0.00 |
| Security Variation Fee — Security Variation Fee. Nil 1st var then $200. Payable if Gateway agrees to vary the security on an existing loan | Event | $0.00 |
| Early Repayment Adjustment (ERA)(break costs) — Early Repayment Adjustment (ERA) (break costs). Payable if Gateway suffers a loss when loan is repaid in full during a fixed interest rate period. Unascertainable (ERA formula available upon request) | Exit | $0.00 |

## Features

- **Discounts on other products** — Earn an extra 0.10%p.a. on your Term Deposit accounts (Preferential term deposit rates. Earn an extra 0.10%p.a. on your Term Deposit accounts so your investments work
harder for you
)
- **Discounts on other products** — 10% discount off CGU General Insurance premiums (Preferential insurance rates. Enjoy a 10% discount off CGU General Insurance premiums)
- **Digital banking** (Access is available to online banking features for the product)
- **Extra repayments** (Unlimited extra repayments)
- **Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans**

## Eligibility

- **Minimum age** — 18 years

## Constraints

- **Maximum limit** — $2,000,000.00
- **Maximum LVR** — 9500%
- **Minimum limit** — $150,000.00

## More information from Gateway Bank

- [Overview](https://www.gatewaybank.com.au/home-buying/owner-occupied-home-loans/premium-package-fixed-home-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: `132`
- Last updated by the provider: 29 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gateway-bank/132
- 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/132) — 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.

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