---
title: "Inv Low Rate Essentials 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/134
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T06:00:32.1494081Z
---

# Inv Low Rate Essentials 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**

Inv Low Rate Essentials I/O

## At a glance

- **From (investment):** 6.64% (6.66% comparison)

## Apply

Applications are handled by the provider: [Apply at Gateway Bank](https://www.gatewaybank.com.au/home-buying/investment-home-loans/low-rate-essentials-home-loan-investment/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Inv Low Rate Essentials I/O - > 50% - <= 60% LVR) | 6.64% | 6.66% | — |
| Variable (Inv Low Rate Essentials I/O - > 60% - <= 70% LVR) | 6.64% | 6.66% | — |
| Variable (Inv Low Rate Essentials I/O - > 70% - <= 80% LVR) | 6.64% | 6.66% | — |
| Variable (Inv Low Rate Essentials IO - <= 50% LVR) | 6.64% | 6.66% | — |
| Variable (Inv Low Rate Essentials I/O - > 80% - <= 85% LVR) | 6.84% | 6.86% | — |
| Variable (Inv Low Rate Essentials I/O - > 85% LVR) | 6.94% | 6.96% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Legal Fee — Payable at settlement to cover solicitor's documentation costs | Upfront | $275.00 |
| 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 |
| Establishment Fee — Nil for Low Rate Essentials 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 — Payable at cost if we or you decide to obtain an additional valuation report (which we may do at any time) | Event | $0.00 |
| Annual Package Fee — Nil for Low Rate Essentials Loans | Upfront | $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 |
| Exit Fee — Nil for Low Rate Essentials | Exit | $0.00 |

## Features

- **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**
- **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** — 9000%
- **Minimum limit** — $50,000.00

## More information from Gateway Bank

- [Overview](https://www.gatewaybank.com.au/home-buying/investment-home-loans/low-rate-essentials-home-loan-investment/)
- [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: `134`
- Last updated by the provider: 1 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gateway-bank/134
- 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/134) — 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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