Lenders › Gateway Bank home loan rates

Gateway Bank home loan rates

87 home loan products and 128 published rates, checked 2 Nov, 12:05 am AEDT. Gateway Bank last updated its data 1 Nov 2026.

Lowest Gateway Bank rates

Loan typeRateComparison*
Variable, owner-occupier, P&I
Low Rate Essentials (any LVR)
6.14%6.16%
Variable, owner-occupier, interest only
Allium Money Essentials IO (any LVR)
6.34%6.34%
Variable, investor, P&I
Inv Low Rate Essentials (any LVR)
6.64%6.66%
Variable, investor, interest only
Allium Money Essentials Inv IO (any LVR)
6.79%6.79%
1 year fixed, owner-occupier, P&I
Allium Premium 1Yr Fixed (any LVR)
6.52%6.27%
2 year fixed, owner-occupier, P&I
Allium Premium 2Yr Fixed (any LVR)
6.57%6.31%
3 year fixed, owner-occupier, P&I
Allium Premium 3Yr Fixed (any LVR)
6.67%6.37%
5 year fixed, owner-occupier, P&I
Premium Package 5yr Fixed (any LVR)
7.09%6.93%

How does Gateway Bank compare? Rank every lender for your loan, or see if switching saves you money.

Rate changes

No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.

All Gateway Bank home loans

Allium Essentials 1yr Fixed · 1 rate · from 6.74%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, principal & interestany LVR6.74%6.25%
Allium Essentials 1yr Fixed IO · 1 rate · from 7.14%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, interest onlyany LVR7.14%6.29%
Allium Essentials 2yr Fixed · 1 rate · from 6.79%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, principal & interestany LVR6.79%6.31%
Allium Essentials 2yr Fixed IO · 1 rate · from 7.14%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, interest onlyany LVR7.14%6.38%
Allium Essentials 3yr Fixed · 1 rate · from 6.89%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, principal & interestany LVR6.89%6.39%
Allium Essentials 3yr Fixed IO · 1 rate · from 7.07%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, interest onlyany LVR7.07%6.45%
Allium Money Essentials · 1 rate · from 6.19%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.19%6.19%
Allium Money Essentials IO · 1 rate · from 6.34%
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR6.34%6.34%
Allium Money Essentials Inv · 1 rate · from 6.64%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.64%6.64%
Allium Money Essentials Inv IO · 1 rate · from 6.79%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.79%6.79%
Allium Money Premium · 1 rate · from 6.24%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.24%6.24%
Allium Money Premium IO · 1 rate · from 6.54%
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR6.54%6.54%
Allium Money Premium Inv · 1 rate · from 6.79%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.79%6.79%
Allium Money Premium Inv IO · 1 rate · from 6.84%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.84%6.84%
Allium Premium 1Yr Fixed · 1 rate · from 6.52%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, principal & interestany LVR6.52%6.27%
Allium Premium 1Yr Fixed IO · 1 rate · from 7.02%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, interest onlyany LVR7.02%6.32%
Allium Premium 2Yr Fixed · 1 rate · from 6.57%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, principal & interestany LVR6.57%6.31%
Allium Premium 2Yr Fixed IO · 1 rate · from 7.02%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, interest onlyany LVR7.02%6.40%
Allium Premium 3Yr Fixed · 1 rate · from 6.67%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, principal & interestany LVR6.67%6.37%
Allium Premium 3Yr Fixed IO · 1 rate · from 6.97%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, interest onlyany LVR6.97%6.45%
Construction Loan Var Rate · 1 rate · from 8.93%Specialist loan
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR8.93%9.00%

Construction Loan Var Rate on Gateway Bank’s site ↗

Green Home Loan · 1 rate · from 6.35%Specialist loan
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.35%6.63%

Green Home Loan on Gateway Bank’s site ↗

Green Home Loan IO · 1 rate · from 6.80%Specialist loan
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR6.80%7.07%

Green Home Loan IO on Gateway Bank’s site ↗

Green Plus Home Loan · 1 rate · from 6.10%Specialist loan
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.10%6.38%

Green Plus Home Loan on Gateway Bank’s site ↗

Green Plus Home Loan IO · 1 rate · from 6.59%Specialist loan
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR6.59%6.87%

Green Plus Home Loan IO on Gateway Bank’s site ↗

Home Loan - Variable Rate · 1 rate · from 8.93%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR8.93%9.00%
Home Loan 1yr Fixed Rate · 1 rate · from 6.94%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, principal & interestany LVR6.94%8.77%
Home Loan 1yr Fixed Rate I/O · 1 rate · from 7.24%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, interest onlyany LVR7.24%8.80%
Home Loan 2yr Fixed Rate · 1 rate · from 7.04%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, principal & interestany LVR7.04%8.59%
Home Loan 2yr Fixed Rate I/O · 1 rate · from 7.14%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, interest onlyany LVR7.14%8.61%
Home Loan 3yr Fixed Rate · 1 rate · from 7.14%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, principal & interestany LVR7.14%8.44%
Home Loan 3yr Fixed Rate I/O · 1 rate · from 7.09%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, interest onlyany LVR7.09%8.43%
Home Loan 5yr Fixed · 1 rate · from 7.34%
Rate typeForLVRRateComparison*
5 year fixedOwner-occupier, principal & interestany LVR7.34%8.26%
Home Loan 5yr Fixed I/O · 1 rate · from 7.69%
Rate typeForLVRRateComparison*
5 year fixedOwner-occupier, interest onlyany LVR7.69%8.42%
Inv Allium Ess 1yr Fixed · 1 rate · from 7.22%
Rate typeForLVRRateComparison*
1 year fixedInvestor, principal & interestany LVR7.22%6.70%
Inv Allium Ess 1yr Fixed IO · 1 rate · from 7.42%
Rate typeForLVRRateComparison*
1 year fixedInvestor, interest onlyany LVR7.42%6.73%
Inv Allium Ess 2yr Fixed · 1 rate · from 7.22%
Rate typeForLVRRateComparison*
2 year fixedInvestor, principal & interestany LVR7.22%6.76%
Inv Allium Ess 2yr Fixed IO · 1 rate · from 7.32%
Rate typeForLVRRateComparison*
2 year fixedInvestor, interest onlyany LVR7.32%6.78%
Inv Allium Ess 3yr Fixed · 1 rate · from 7.13%
Rate typeForLVRRateComparison*
3 year fixedInvestor, principal & interestany LVR7.13%6.79%
Inv Allium Ess 3yr Fixed IO · 1 rate · from 7.27%
Rate typeForLVRRateComparison*
3 year fixedInvestor, interest onlyany LVR7.27%6.83%
Inv Allium Prem 1Yr Fixed · 1 rate · from 7.02%
Rate typeForLVRRateComparison*
1 year fixedInvestor, principal & interestany LVR7.02%6.82%
Inv Allium Prem 1Yr Fixed IO · 1 rate · from 7.22%
Rate typeForLVRRateComparison*
1 year fixedInvestor, interest onlyany LVR7.22%6.84%
Inv Allium Prem 2Yr Fixed · 1 rate · from 6.97%
Rate typeForLVRRateComparison*
2 year fixedInvestor, principal & interestany LVR6.97%6.83%
Inv Allium Prem 2Yr Fixed IO · 1 rate · from 7.12%
Rate typeForLVRRateComparison*
2 year fixedInvestor, interest onlyany LVR7.12%6.86%
Inv Allium Prem 3Yr Fixed · 1 rate · from 7.12%
Rate typeForLVRRateComparison*
3 year fixedInvestor, principal & interestany LVR7.12%6.89%
Inv Allium Prem 3Yr Fixed IO · 1 rate · from 7.07%
Rate typeForLVRRateComparison*
3 year fixedInvestor, interest onlyany LVR7.07%6.88%
Inv Construction Loan · 1 rate · from 9.88%Specialist loan
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR9.88%9.95%

Inv Construction Loan on Gateway Bank’s site ↗

Inv Green Plus Home Loan · 1 rate · from 6.63%Specialist loan
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.63%6.91%

Inv Green Plus Home Loan on Gateway Bank’s site ↗

Inv Green Plus Home Loan IO · 1 rate · from 6.75%Specialist loan
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.75%7.03%

Inv Green Plus Home Loan IO on Gateway Bank’s site ↗

Inv Home Loan 1yr Fixed · 1 rate · from 7.24%
Rate typeForLVRRateComparison*
1 year fixedInvestor, principal & interestany LVR7.24%9.46%
Inv Home Loan 1yr Fixed I/O · 1 rate · from 7.44%
Rate typeForLVRRateComparison*
1 year fixedInvestor, interest onlyany LVR7.44%9.48%
Inv Home Loan 2yr Fixed · 1 rate · from 7.24%
Rate typeForLVRRateComparison*
2 year fixedInvestor, principal & interestany LVR7.24%9.21%
Inv Home Loan 2yr Fixed I/O · 1 rate · from 7.34%
Rate typeForLVRRateComparison*
2 year fixedInvestor, interest onlyany LVR7.34%9.23%
Inv Home Loan 3yr Fixed · 1 rate · from 7.14%
Rate typeForLVRRateComparison*
3 year fixedInvestor, principal & interestany LVR7.14%8.95%
Inv Home Loan 3yr Fixed I/O · 1 rate · from 7.29%
Rate typeForLVRRateComparison*
3 year fixedInvestor, interest onlyany LVR7.29%9.00%
Inv Home Loan 5yr Fixed · 1 rate · from 7.49%
Rate typeForLVRRateComparison*
5 year fixedInvestor, principal & interestany LVR7.49%8.71%
Inv Home Loan 5yr Fixed I/O · 1 rate · from 7.69%
Rate typeForLVRRateComparison*
5 year fixedInvestor, interest onlyany LVR7.69%8.81%
Inv Home Loan Variable · 1 rate · from 9.88%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR9.88%9.95%
Inv Home Loan Variable I/O · 1 rate · from 10.31%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR10.31%10.38%
Inv Land Loan Variable · 1 rate · from 9.88%Specialist loan
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR9.88%9.95%

Inv Land Loan Variable on Gateway Bank’s site ↗

Inv Land Loan Variable I/O · 1 rate · from 10.47%Specialist loan
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR10.47%10.54%

Inv Land Loan Variable I/O on Gateway Bank’s site ↗

Inv Low Rate Essentials · 6 rates · from 6.64%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR7.08%7.10%
VariableInvestor, principal & interestany LVR6.64%6.66%
VariableInvestor, principal & interestany LVR6.74%6.76%
VariableInvestor, principal & interestany LVR6.84%6.86%
VariableInvestor, principal & interestany LVR6.89%6.91%
VariableInvestor, principal & interestany LVR7.23%7.25%

Inv Low Rate Essentials on Gateway Bank’s site ↗

Inv Low Rate Essentials I/O · 6 rates · from 6.89%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.89%6.91%
VariableInvestor, interest onlyany LVR6.89%6.91%
VariableInvestor, interest onlyany LVR6.89%6.91%
VariableInvestor, interest onlyany LVR7.09%7.11%
VariableInvestor, interest onlyany LVR7.19%7.21%
VariableInvestor, interest onlyany LVR6.89%6.91%

Inv Low Rate Essentials I/O on Gateway Bank’s site ↗

Inv Premium Pack 1yr Fixed · 1 rate · from 7.04%
Rate typeForLVRRateComparison*
1 year fixedInvestor, principal & interestany LVR7.04%7.17%

Inv Premium Pack 1yr Fixed on Gateway Bank’s site ↗

Inv Premium Pack 1yr Fixed I/O · 1 rate · from 7.24%
Rate typeForLVRRateComparison*
1 year fixedInvestor, interest onlyany LVR7.24%7.19%

Inv Premium Pack 1yr Fixed I/O on Gateway Bank’s site ↗

Inv Premium Pack 2yr Fixed · 1 rate · from 6.99%
Rate typeForLVRRateComparison*
2 year fixedInvestor, principal & interestany LVR6.99%7.18%

Inv Premium Pack 2yr Fixed on Gateway Bank’s site ↗

Inv Premium Pack 2yr Fixed I/O · 1 rate · from 7.14%
Rate typeForLVRRateComparison*
2 year fixedInvestor, interest onlyany LVR7.14%7.21%

Inv Premium Pack 2yr Fixed I/O on Gateway Bank’s site ↗

Inv Premium Pack 3yr Fixed · 1 rate · from 7.14%
Rate typeForLVRRateComparison*
3 year fixedInvestor, principal & interestany LVR7.14%7.23%

Inv Premium Pack 3yr Fixed on Gateway Bank’s site ↗

Inv Premium Pack 3yr Fixed I/O · 1 rate · from 7.09%
Rate typeForLVRRateComparison*
3 year fixedInvestor, interest onlyany LVR7.09%7.22%

Inv Premium Pack 3yr Fixed I/O on Gateway Bank’s site ↗

Inv Premium Pack 5yr Fixed · 1 rate · from 7.59%
Rate typeForLVRRateComparison*
5 year fixedInvestor, principal & interestany LVR7.59%7.48%

Inv Premium Pack 5yr Fixed on Gateway Bank’s site ↗

Inv Premium Pack 5yr Fixed I/O · 1 rate · from 7.59%
Rate typeForLVRRateComparison*
5 year fixedInvestor, interest onlyany LVR7.59%7.48%

Inv Premium Pack 5yr Fixed I/O on Gateway Bank’s site ↗

Inv Premium Package · 6 rates · from 6.74%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.74%7.02%
VariableInvestor, principal & interestany LVR6.84%7.11%
VariableInvestor, principal & interestany LVR6.89%7.16%
VariableInvestor, principal & interestany LVR6.88%7.15%
VariableInvestor, principal & interestany LVR6.95%7.22%
VariableInvestor, principal & interestany LVR7.09%7.36%

Inv Premium Package on Gateway Bank’s site ↗

Inv Premium Package I/O · 6 rates · from 6.84%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.94%7.21%
VariableInvestor, interest onlyany LVR7.04%7.31%
VariableInvestor, interest onlyany LVR7.00%7.27%
VariableInvestor, interest onlyany LVR7.09%7.36%
VariableInvestor, interest onlyany LVR7.59%7.86%
VariableInvestor, interest onlyany LVR6.84%7.11%

Inv Premium Package I/O on Gateway Bank’s site ↗

Land Loan Var Rate I/O · 1 rate · from 9.75%Specialist loan
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR9.75%9.82%

Land Loan Var Rate I/O on Gateway Bank’s site ↗

Land Loan Variable Rate · 1 rate · from 8.93%Specialist loan
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR8.93%9.00%

Land Loan Variable Rate on Gateway Bank’s site ↗

Low Rate Essentials · 6 rates · from 6.14%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.14%6.16%
VariableOwner-occupier, principal & interestany LVR6.14%6.16%
VariableOwner-occupier, principal & interestany LVR6.19%6.21%
VariableOwner-occupier, principal & interestany LVR6.49%6.51%
VariableOwner-occupier, principal & interestany LVR6.44%6.46%
VariableOwner-occupier, principal & interestany LVR6.75%6.77%

Low Rate Essentials on Gateway Bank’s site ↗

Low Rate Essentials Int Only · 6 rates · from 7.14%
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR7.54%7.56%
VariableOwner-occupier, interest onlyany LVR7.14%7.16%
VariableOwner-occupier, interest onlyany LVR7.19%7.21%
VariableOwner-occupier, interest onlyany LVR9.26%9.29%
VariableOwner-occupier, interest onlyany LVR9.66%9.69%
VariableOwner-occupier, interest onlyany LVR7.14%7.16%

Low Rate Essentials Int Only on Gateway Bank’s site ↗

Premium Package · 7 rates · from 6.24%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.24%6.52%
VariableOwner-occupier, principal & interestany LVR6.24%6.52%
VariableOwner-occupier, principal & interestany LVR6.29%6.57%
VariableOwner-occupier, principal & interestany LVR6.54%6.82%
VariableOwner-occupier, principal & interestany LVR6.63%6.91%
VariableOwner-occupier, principal & interestany LVR6.79%7.07%
VariableOwner-occupier, principal & interestany LVR6.29%6.57%

Premium Package on Gateway Bank’s site ↗

Premium Package 1Yr Fixed · 1 rate · from 6.54%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, principal & interestany LVR6.54%6.60%

Premium Package 1Yr Fixed on Gateway Bank’s site ↗

Premium Package 1Yr Fixed I/O · 1 rate · from 7.04%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, interest onlyany LVR7.04%6.65%

Premium Package 1Yr Fixed I/O on Gateway Bank’s site ↗

Premium Package 2Yr Fixed · 1 rate · from 6.59%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, principal & interestany LVR6.59%6.63%

Premium Package 2Yr Fixed on Gateway Bank’s site ↗

Premium Package 2Yr Fixed I/O · 1 rate · from 7.04%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, interest onlyany LVR7.04%6.72%

Premium Package 2Yr Fixed I/O on Gateway Bank’s site ↗

Premium Package 3Yr Fixed · 1 rate · from 6.69%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, principal & interestany LVR6.69%6.69%

Premium Package 3Yr Fixed on Gateway Bank’s site ↗

Premium Package 3Yr Fixed I/O · 1 rate · from 6.99%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, interest onlyany LVR6.99%6.77%

Premium Package 3Yr Fixed I/O on Gateway Bank’s site ↗

Premium Package 5yr Fixed · 1 rate · from 7.09%
Rate typeForLVRRateComparison*
5 year fixedOwner-occupier, principal & interestany LVR7.09%6.93%

Premium Package 5yr Fixed on Gateway Bank’s site ↗

Premium Package 5yr Fixed I/O · 1 rate · from 7.59%
Rate typeForLVRRateComparison*
5 year fixedOwner-occupier, interest onlyany LVR7.59%7.15%

Premium Package 5yr Fixed I/O on Gateway Bank’s site ↗

Premium Package I/O · 6 rates · from 7.24%
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR7.24%7.51%
VariableOwner-occupier, interest onlyany LVR7.29%7.56%
VariableOwner-occupier, interest onlyany LVR7.54%7.81%
VariableOwner-occupier, interest onlyany LVR8.36%8.62%
VariableOwner-occupier, interest onlyany LVR8.41%8.67%
VariableOwner-occupier, interest onlyany LVR7.24%7.51%

Premium Package I/O on Gateway Bank’s site ↗

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.