Gateway Bank home loan rates
GATEWAY BANK LTD · ACL 238293 · Mutual/Credit union
Rates as at 2026-10-20. 104 rates across 63 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Green Plus Home Loan | 6.10% | 6.38% | Variable | Owner occupier | P&I | — |
| Low Rate Essentials (6 tiers) | 6.14–6.75% | 6.16–6.77% | Variable | Owner occupier | P&I | — |
| Allium Money Essentials | 6.19% | 6.19% | Variable | Owner occupier | P&I | — |
| Allium Money Premium | 6.24% | 6.24% | Variable | Owner occupier | P&I | — |
| Premium Package (7 tiers) | 6.24–6.79% | 6.52–7.07% | Variable | Owner occupier | P&I | — |
| Allium Money Essentials IO | 6.34% | 6.34% | Variable | Owner occupier | Interest only | — |
| Green Home Loan | 6.35% | 6.63% | Variable | Owner occupier | P&I | — |
| Allium Money Premium IO | 6.54% | 6.54% | Variable | Owner occupier | Interest only | — |
| Green Plus Home Loan IO | 6.59% | 6.87% | Variable | Owner occupier | Interest only | — |
| Inv Green Plus Home Loan | 6.63% | 6.91% | Variable | Investment | P&I | — |
| Allium Money Essentials Inv | 6.64% | 6.64% | Variable | Investment | P&I | — |
| Inv Low Rate Essentials (6 tiers) | 6.64–7.23% | 6.66–7.25% | Variable | Investment | P&I | — |
| Inv Premium Package (6 tiers) | 6.74–7.09% | 7.02–7.36% | Variable | Investment | P&I | — |
| Inv Green Plus Home Loan IO | 6.75% | 7.03% | Variable | Investment | Interest only | — |
| Allium Money Essentials Inv IO | 6.79% | 6.79% | Variable | Investment | Interest only | — |
| Allium Money Premium Inv | 6.79% | 6.79% | Variable | Investment | P&I | — |
| Green Home Loan IO | 6.80% | 7.07% | Variable | Owner occupier | Interest only | — |
| Allium Money Premium Inv IO | 6.84% | 6.84% | Variable | Investment | Interest only | — |
| Inv Premium Package I/O (6 tiers) | 6.84–7.59% | 7.11–7.86% | Variable | Investment | Interest only | — |
| Inv Low Rate Essentials I/O (6 tiers) | 6.89–7.19% | 6.91–7.21% | Variable | Investment | Interest only | — |
| Low Rate Essentials Int Only (6 tiers) | 7.14–9.66% | 7.16–9.69% | Variable | Owner occupier | Interest only | — |
| Premium Package I/O (6 tiers) | 7.24–8.41% | 7.51–8.67% | Variable | Owner occupier | Interest only | — |
| Construction Loan Var Rate | 8.93% | 9.00% | Variable | Owner occupier | P&I | — |
| Home Loan - Variable Rate | 8.93% | 9.00% | Variable | Owner occupier | P&I | — |
| Land Loan Variable Rate | 8.93% | 9.00% | Variable | Owner occupier | P&I | — |
| Land Loan Var Rate I/O | 9.75% | 9.82% | Variable | Owner occupier | Interest only | — |
| Inv Construction Loan | 9.88% | 9.95% | Variable | Investment | P&I | — |
| Inv Home Loan Variable | 9.88% | 9.95% | Variable | Investment | P&I | — |
| Inv Land Loan Variable | 9.88% | 9.95% | Variable | Investment | P&I | — |
| Inv Home Loan Variable I/O | 10.31% | 10.38% | Variable | Investment | Interest only | — |
| Inv Land Loan Variable I/O | 10.47% | 10.54% | Variable | Investment | Interest only | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Premium Package 1Yr Fixed | 6.54% | 6.60% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Premium Package 2Yr Fixed | 6.59% | 6.63% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Premium Package 3Yr Fixed | 6.69% | 6.69% | Fixed | Owner occupier | P&I | 3 yr fixed |
| Home Loan 1yr Fixed Rate | 6.94% | 8.55% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Inv Premium Pack 2yr Fixed | 6.99% | 6.98% | Fixed | Investment | P&I | 2 yr fixed |
| Premium Package 3Yr Fixed I/O | 6.99% | 6.60% | Fixed | Owner occupier | Interest only | 3 yr fixed |
| Home Loan 2yr Fixed Rate | 7.04% | 8.39% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Inv Premium Pack 1yr Fixed | 7.04% | 6.95% | Fixed | Investment | P&I | 1 yr fixed |
| Premium Package 1Yr Fixed I/O | 7.04% | 6.43% | Fixed | Owner occupier | Interest only | 1 yr fixed |
| Premium Package 2Yr Fixed I/O | 7.04% | 6.52% | Fixed | Owner occupier | Interest only | 2 yr fixed |
| Home Loan 3yr Fixed Rate I/O | 7.09% | 8.26% | Fixed | Owner occupier | Interest only | 3 yr fixed |
| Inv Premium Pack 3yr Fixed I/O | 7.09% | 7.04% | Fixed | Investment | Interest only | 3 yr fixed |
| Premium Package 5yr Fixed | 7.09% | 6.79% | Fixed | Owner occupier | P&I | 5 yr fixed |
| Home Loan 2yr Fixed Rate I/O | 7.14% | 8.41% | Fixed | Owner occupier | Interest only | 2 yr fixed |
| Home Loan 3yr Fixed Rate | 7.14% | 8.44% | Fixed | Owner occupier | P&I | 3 yr fixed |
| Inv Home Loan 3yr Fixed | 7.14% | 8.78% | Fixed | Investment | P&I | 3 yr fixed |
| Inv Premium Pack 2yr Fixed I/O | 7.14% | 7.01% | Fixed | Investment | Interest only | 2 yr fixed |
| Inv Premium Pack 3yr Fixed | 7.14% | 7.06% | Fixed | Investment | P&I | 3 yr fixed |
| Home Loan 1yr Fixed Rate I/O | 7.24% | 8.58% | Fixed | Owner occupier | Interest only | 1 yr fixed |
| Inv Home Loan 1yr Fixed | 7.24% | 9.24% | Fixed | Investment | P&I | 1 yr fixed |
| Inv Home Loan 2yr Fixed | 7.24% | 9.01% | Fixed | Investment | P&I | 2 yr fixed |
| Inv Premium Pack 1yr Fixed I/O | 7.24% | 6.97% | Fixed | Investment | Interest only | 1 yr fixed |
| Inv Home Loan 3yr Fixed I/O | 7.29% | 8.83% | Fixed | Investment | Interest only | 3 yr fixed |
| Home Loan 5yr Fixed | 7.34% | 8.12% | Fixed | Owner occupier | P&I | 5 yr fixed |
| Inv Home Loan 2yr Fixed I/O | 7.34% | 9.04% | Fixed | Investment | Interest only | 2 yr fixed |
| Inv Home Loan 1yr Fixed I/O | 7.44% | 9.26% | Fixed | Investment | Interest only | 1 yr fixed |
| Inv Home Loan 5yr Fixed | 7.49% | 8.58% | Fixed | Investment | P&I | 5 yr fixed |
| Inv Premium Pack 5yr Fixed | 7.59% | 7.34% | Fixed | Investment | P&I | 5 yr fixed |
| Inv Premium Pack 5yr Fixed I/O | 7.59% | 7.34% | Fixed | Investment | Interest only | 5 yr fixed |
| Premium Package 5yr Fixed I/O | 7.59% | 7.02% | Fixed | Owner occupier | Interest only | 5 yr fixed |
| Home Loan 5yr Fixed I/O | 7.69% | 8.28% | Fixed | Owner occupier | Interest only | 5 yr fixed |
| Inv Home Loan 5yr Fixed I/O | 7.69% | 8.68% | Fixed | Investment | Interest only | 5 yr fixed |
Conditions worth checking. Eligibility: To be eligible for Gateway's Investor Green Plus Home Loan, the property must have one of the following; a 7 Star Nationwide House Energy Rating Scheme (NatHERS), a 7 Star Residential Efficiency Scorecard, or a Green Star Designed or Certified home from Green Building Council of Au Eligibility: To be eligible for Gateway's Green Plus Home Loan, the property must have a Nationwide House Energy Rating Scheme (NatHERS), or a Residential Efficiency Scorecard rating of 7 Stars or higher for energy efficiency. This needs to be evidenced with a certificate from an accredited Nat Eligibility: This loan is eligible for the purchase of existing homes, refinancing of an existing home, or construction of new builds. | Eligibility: 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.