Gateway Bank Home Loans

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 Bank now offers its members a broad range of award winning financial products and services all specially intended to help their members prosper. Gateway Bank’s mission is to provide its members with high value, low cost financial services and loans.

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

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

Gateway Bank home loans

Low Rate Essentials Home Loan (LVR < 80%)
Advertised rate
3.67%
Variable
Upfront fee
$275.00
Comparison rate*
3.69%
Ongoing fee
$0
Compare
Low Rate Essentials Home Loan (LVR 80%-85%)
Advertised rate
3.67%
Variable
Upfront fee
$275.00
Comparison rate*
3.69%
Ongoing fee
$0
Compare
Low Rate Essentials Investment Loan (LVR < 80%)
Advertised rate
3.92%
Variable
Upfront fee
$275.00
Comparison rate*
3.94%
Ongoing fee
$0
Compare
Premium Package Home Loan (LVR 80%-85%)
Advertised rate
3.74%
Variable
Upfront fee
$0
Comparison rate*
4.06%
Ongoing fee
$299 annually
Compare
Premium Package Home Loan (LVR < 80%)
Advertised rate
3.74%
Variable
Upfront fee
$0
Comparison rate*
4.06%
Ongoing fee
$299 annually
Compare
Premium Package Home Loan (LVR 85%-95%)
Advertised rate
3.89%
Variable
Upfront fee
$0
Comparison rate*
4.20%
Ongoing fee
$299 annually
Compare
Premium Package Investment Loan (LVR < 80%)
Advertised rate
4.19%
Variable
Upfront fee
$0
Comparison rate*
4.50%
Ongoing fee
$299 annually
Compare
Premium Package Home Loan Fixed 3 Year (LVR < 80%)
Advertised rate
3.83%
Fixed - 3 years
Upfront fee
$0
Comparison rate*
4.68%
Ongoing fee
$299 annually
Compare
Premium Package Investment Loan (LVR 80%-85%)
Advertised rate
4.38%
Variable
Upfront fee
$0
Comparison rate*
4.69%
Ongoing fee
$299 annually
Compare
Premium Package Investment Loan (LVR 85%-90%)
Advertised rate
4.38%
Variable
Upfront fee
$0
Comparison rate*
4.69%
Ongoing fee
$299 annually
Compare
Premium Package Home Loan Fixed 5 Years
Advertised rate
4.21%
Fixed - 5 years
Upfront fee
$0
Comparison rate*
4.72%
Ongoing fee
$299 annually
Compare
Premium Package Home Loan Fixed 2 Years
Advertised rate
3.80%
Fixed - 2 years
Upfront fee
$0
Comparison rate*
4.73%
Ongoing fee
$299 annually
Compare
Fixed Rate Home Loan 5 Years
Advertised rate
4.23%
Fixed - 5 years
Upfront fee
$750.00
Comparison rate*
4.76%
Ongoing fee
$0
Compare
Premium Package Home Loan Fixed 1 Year
Advertised rate
3.77%
Fixed - 1 year
Upfront fee
$0
Comparison rate*
4.80%
Ongoing fee
$299 annually
Compare
Fixed Rate Home Loan 3 Years
Advertised rate
4.13%
Fixed - 3 years
Upfront fee
$750.00
Comparison rate*
4.85%
Ongoing fee
$0
Compare
Fixed Rate Home Loan 2 Years
Advertised rate
4.03%
Fixed - 2 years
Upfront fee
$750.00
Comparison rate*
4.90%
Ongoing fee
$0
Compare
Fixed Rate Home Loan 1 Year
Advertised rate
3.93%
Fixed - 1 year
Upfront fee
$750.00
Comparison rate*
4.98%
Ongoing fee
$0
Compare
Premium Package Investment Loan Fixed 3 Years (LVR < 80%)
Advertised rate
4.28%
Fixed - 3 years
Upfront fee
$0
Comparison rate*
5.29%
Ongoing fee
$299 annually
Compare
Premium Package Investment Loan Fixed 2 Years (LVR < 80%)
Advertised rate
4.04%
Fixed - 2 years
Upfront fee
$0
Comparison rate*
5.33%
Ongoing fee
$299 annually
Compare
Fixed Rate Investment Loan 3 Years
Advertised rate
4.49%
Fixed - 3 years
Upfront fee
$750.00
Comparison rate*
5.41%
Ongoing fee
$0
Compare
Premium Package Investment Loan Fixed 1 Year (LVR < 80%)
Advertised rate
4.22%
Fixed - 1 year
Upfront fee
$0
Comparison rate*
5.46%
Ongoing fee
$299 annually
Compare
Fixed Rate Investment Loan 2 Years
Advertised rate
4.39%
Fixed - 2 years
Upfront fee
$750.00
Comparison rate*
5.49%
Ongoing fee
$0
Compare
Fixed Rate Investment Loan 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$750.00
Comparison rate*
5.59%
Ongoing fee
$0
Compare
Pros:
  • Large variety of home loan products.
  • Flexible loan terms.
  • Competitive interest rates.
Cons:
  • Limited branch network.
  • Some package products include fees.
Gateway Bank customer service:

Gateway Bank has one branch located in its Sydney head office. Borrowers outside of Sydney can contact the bank by calling the customer support number during business hours, Monday through till Friday. There is an additional hotline for lost or stolen cards as well as a telephone banking hotline. Gateway members have access to online banking and the Gateway 2go mobile banking app.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch

How to Apply

Borrowers wanting to apply for a Gateway Bank home loan can either complete a loan application form online or call customer support for assistance with the application. Before applying for a Gateway Bank home loan, think about what you can afford to borrow and what other costs you need to consider. To apply for this Gateway Bank home loan, you will need to supply the following information:

  • Proof of identification.
  • Proof of income and employment.
  • Information regarding your current debts, assets and liabilities.
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