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Standard Variable Home Loan

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • 100% full offset account
  • Suitable for low deposits
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$20k - $2mCalculate how much you can borrow »
Total repayments
Total repayments
$484,920View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$750
Application fee
Application fee$200
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$275
Legal fee
Legal fee
$275
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$300
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$20k - $2mCalculate how much you can borrow »
Total repayments
Total repayments
$484,920View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$750
Application fee
Application fee$200
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$275
Legal fee
Legal fee
$275
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$300

In 1955 a group of staff from one of Australia’s largest banks had a vision of creating a co-operative Loans Society and so the Gateway Credit Union was formed. What started with a briefcase and a receipt book has grown to a membership in excess of 30,000. Gateway Credit Union now offers its members a broad range of award winning financial products and services all specially intended to help their members prosper. Gateway Credit Union’s mission is to provide its members with high value, low cost financial services and loans.

The credit union as won a number of awards, including the Money magazine award in 2015 for the ‘Cheapest Home Loan Package – Non-Bank’.

Gateway CU Home Loan Calculator  
Interested in a Gateway CU home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Gateway CU compares to its competitors. Simply plug in your borrowing amount below.

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