---
title: "Inv Com Plus Loan I/O — Gateway Bank"
description: "Business 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/187
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T06:00:32.1494081Z
---

# Inv Com Plus Loan I/O — Gateway Bank

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

**Business Loans**

Inv Com Plus Loan I/O

## At a glance

- **From (investment):** 9.09% (Variable)

## Apply

Applications are handled by the provider: [Apply at Gateway Bank](https://www.gatewaybank.com.au/commercial/commercial-mortgages/commercial-plus-property-loan/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Inv Commercial Plus Loan I/O (<60% LVR)) | 9.09% | — | — |
| Variable (Inv Commercial Plus Loan I/O (>60% - <= 65% LVR)) | 9.19% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment Fee — 0.40% of the total loan amount (for standard applications) | Upfront | $0.00 |
| Legal Fee — Document preparation costs and out-of-pocket expenses. At Cost | Upfront | $0.00 |
| Valuation Fee — The amount of all valuation fees Gateway Bank incurs or has to pay its valuer in connection with a valuation of the property. At Cost | Event | $0.00 |
| Monthly Fee — Charged monthly · Ongoing monthly service fee | Ongoing | $25.00 |
| Early Termination Fee — Payable if the loan amount is paid in full within 3 years. 1.00% of the total loan amount applied for | Event | $0.00 |
| Split Loan Account Fee — Two loan accounts (i.e. Variable & Fixed) free. Fee for subsequent splits | Event | $99.00 |
| Top Up Fee — Payable at settlement when increasing loan borrowings | Event | $500.00 |
| 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 | Event | $0.00 |
| Switch Fee — Payable if Gateway agrees to vary the Loan Agreement on existing Gateway loan, for example; Repayment switch (e.g. P&I to Interest Only) Product switch (e.g. from variable rate to a fixed rate) $150 per switch | Event | $150.00 |
| Security Variation Fee — Payable if Gateway agrees to vary the security on an existing loan. $200 per variation | Event | $200.00 |
| Discharge Fee — Payable at the time of each discharge of mortgage Discharge Fee - First Security $300 Discharge Fee - Per additional Security $95 | Event | $300.00 |

## Features

- **Digital banking** (Access is available to online banking features for the product.)
- **Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans.**
- **Additional Repayments: Make additional repayments to help reduce your loan term**
- **Up to 30 year loan term*: Helps manage cashflows when compared to shorter loan term options**
- **Repayments: Principal & Interest and Interest Only options available**
- **Redraw facility** (Available on variable rate loans only. Minimum redraw amount $10,000)

## Eligibility

- **Business customers**

## Constraints

- **Maximum limit** — $10,000,000.00
- **Maximum LVR** — 7000%
- **Minimum limit** — $4,000,000.00

## More information from Gateway Bank

- [Overview](https://www.gatewaybank.com.au/commercial/commercial-mortgages/commercial-plus-property-loan/)
- [Terms & conditions](https://www.gatewaybank.com.au/important-information)
- [Fees & pricing](https://www.gatewaybank.com.au/media/ndrd54xu/gateway_commercial_loan_fees_and_charges.pdf)

## Data provenance

- Published by Gateway Bank under the Consumer Data Right
- Product ID: `187`
- Last updated by the provider: 1 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gateway-bank/187
- 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/187) — 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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