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Home Loan Variable: 5.98% (6.35%*) • Home Loan Fixed: 5.79% (6.39%*) • Fixed: 5.79% (6.39%*) • Variable: 5.98% (6.35%*) • Investment IO: 6.14% (6.58%*) • Investment PI: 5.99% (6.61%*)

  Premium Package 3Yr Fixed

Premium Package 3Yr Fixed
Category: Home Loans  Last Updated March 21, 2024  Effective May 3, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Premium Package - 3 Year Fixed P&I (<=95% LVR)
Interest Rate
6.59% PA
Comparison Rate
6.56%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Digital Banking Additional Information: Access is available to online banking features for the product
  • Other Additional Information: Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans
  • Other Additional Information: Preferential term deposit rates. Earn an extra 0.10%p.a. on your Term Deposit accounts so your investments work harder for you
  • Other Additional Information: Preferential insurance rates. Enjoy a 10% discount off CGU General Insurance premiums
  • Unlimited Txns Additional Information: Unlimited extra repayments

 Product Eligibility

  • Min Age - 18.

 Bank Fees and Charges

  • Annual Package Fee (Periodic), Amount: 299.00. Additional Information: Payable at settlement and then again on each anniversary
  • Discharge Fee - First Security (Exit), Amount: 300.00. Additional Information: Discharge Fee - First Security
  • Discharge Fee - Per Additional Security (Exit), Amount: 95.00. Additional Information: Discharge Fee - Per Additional Security
  • Establishment Fee (Upfront), Amount: 0.00. Additional Information: Nil for Premium Package Loans
  • Legal Fee (Upfront), Amount: 0.00. Additional Information: Nil for Premium Package Loans
  • Valuation Fee (Upfront), Amount: 0.00. Additional Information: 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)
  • Additional Valuation Fee (Event), Amount: 0.00. Additional Information: Nil for Premium Package Loans
  • Split Loan Account Fee (Upfront), Amount: 0.00. Additional Information: Nil, up to 2 loan accounts. Fees apply thereafter
  • Top Up Fee (Transaction), Amount: 0.00. Additional Information: Top up fee. Nil 1st top up, then $200 Payable at settlement when increasing loan borrowings
  • Mortgage Registration Fee (Upfront), Amount: 0.00. Additional Information: Government charges at cost
  • Rate Lock Fee (Upfront), Amount: 0.00. Additional Information: Payable at application for Rate Lock in the prevailing fixed rate, valid for 90 days from request date. 0.15% of locked loan amount
  • Switch Fee (Event), Amount: 0.00. Additional Information: Nil for 1st switch then $125. 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)
  • Security Variation Fee (Event), Amount: 0.00. Additional Information: Security Variation Fee. Nil 1st var then $200. Payable if Gateway agrees to vary the security on an existing loan
  • Early Repayment Adjustment (era)(break Costs) (Exit), Amount: 0.00. Additional Information: Early Repayment Adjustment (ERA) (break costs). Payable if Gateway suffers a loss when loan is repaid in full during a fixed interest rate period. Unascertainable (ERA formula available upon request)

 Limitations & Restrictions (Constraints)

  • Max Limit of 2000000.00
  • Min Limit of 150000.00

 Document Downloads

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