Premium Package 3Yr Fixed I/O

Interest Rates

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

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 −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)

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

Published by Gateway Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 132 · View on CDR.gov.au