--- title: "Green Home Loan IO — 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/175 source: "CDR Compare" language: en-AU last_updated: 2026-07-01T06:00:32.1494081Z --- # Green Home Loan IO — 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** Green Home Loan IO ## At a glance - **From (owner occupied):** 6.55% (6.83% comparison) ## Apply Applications are handled by the provider: [Apply at Gateway Bank](https://www.gatewaybank.com.au/home-buying/green-home-loans/green-home-loan/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Green Home Loan - Variable - Interest Only (<=80% LVR)) | 6.55% | 6.83% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Annual Home Loan Fee — Charged yearly · Payable at settlement and then again on each anniversary | 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 | | Establishment Fee — Nil for Green Home Loan Products | Upfront | $0.00 | | Legal Fee — Nil for Green Home Loan Products | 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 Green Home Loan Products | Event | $0.00 | | Split Loan Account Fee — Two loan accounts (i.e. Variable & Fixed) free. Fee for subsequent splits | Upfront | $0.00 | | Mortgage Registration Fee — Government charges at cost | Upfront | $0.00 | | Construction Progress Inspection Fee — Payable if an inspection is undertaken during the construction period | Event | $150.00 | | Construction Additional Progress Payment Fee — Payable from the 6th draw down (after the first 5 progress draw downs) | Event | $150.00 | | Construction Final Inspection Fee — Payable when inspection/valuation is undertaken at final draw down | Event | $325.00 | | 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 — Nil for Green Home Loan Products | Upfront | $0.00 | | 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 | | 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 | | Exit Fee — Nil (Early Repayment Adjustment on Fixed Rate) | Exit | $0.00 | ## Features - **Discounts on other products** — 0.15%pa discount from Gateway's Premium Package Variable Rate (LVR up to 80%) Home Loan. (Discounted interest rate for eligible homes. 0.15% pa discount from Gateway's Premium Package Variable Rate (LVR up to 80%) Home Loan.) - **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) - **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) - **Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans** - **Redraw facility** (Home loan redraw facilities allow borrowers to withdraw the additional funds they put into their variable rate home loan) ## Eligibility - **Individuals only** - **This loan is eligible for the purchase of existing homes, refinancing of an existing home, or construction of new builds.** - **There are three options in order to be eligible for the discounted Gateway Green Home Loan. Please view Additional Info Uri for details on elgibility. ** ## Constraints - **Maximum limit** — $2,000,000.00 - **Maximum LVR** — 8000% - **Minimum limit** — $250,000.00 ## More information from Gateway Bank - [Overview](https://www.gatewaybank.com.au/home-buying/green-home-loans/green-home-loan/) - [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: `175` - Last updated by the provider: 1 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/gateway-bank/175 - 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/175) — product data published by Australian data holders under the Consumer Data Right. 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