Gateway Bank home loan rates
104 advertised rate lines across 63 products, published by Gateway Bank under the Consumer Data Right. Read this morning. No lender pays to be listed.
Where it sits
The benchmark is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Anchoring on the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody can capture.
Owner-occupied, principal and interest
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Low Rate Essentials | variable | 50–60% | 5.89% | 5.91% |
| Low Rate Essentials | variable | 0–50% | 5.89% | 5.91% |
| Allium Money Essentials | variable | 0–80% | 5.94% | 5.94% |
| Low Rate Essentials | variable | 60–70% | 5.94% | 5.96% |
| Allium Money Premium | variable | 0–80% | 5.99% | 5.99% |
| Low Rate Essentials | variable | 70–80% | 6.19% | 6.21% |
| Low Rate Essentials | variable | 80–85% | 6.24% | 6.26% |
| Low Rate Essentials | variable | 85–95% | 6.50% | 6.52% |
| Home Loan 3yr Fixed Rate | fixed 3y | 0–95% | 6.84% | 8.18% |
| Home Loan 1yr Fixed Rate | fixed 1y | 0–95% | 6.94% | 8.55% |
| Home Loan 2yr Fixed Rate | fixed 2y | 0–95% | 7.04% | 8.39% |
| Home Loan 5yr Fixed | fixed 5y | 0–95% | 7.34% | 8.12% |
| Home Loan - Variable Rate | variable | 0–95% | 8.68% | 8.75% |
Owner-occupied, interest only
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Allium Money Essentials IO | variable | 0–80% | 6.09% | 6.09% |
| Allium Money Premium IO | variable | 0–80% | 6.29% | 6.29% |
| Low Rate Essentials Int Only | variable | 0–50% | 6.89% | 6.91% |
| Low Rate Essentials Int Only | variable | 50–60% | 6.89% | 6.91% |
| Low Rate Essentials Int Only | variable | 60–70% | 6.94% | 6.96% |
| Home Loan 3yr Fixed Rate I/O | fixed 3y | 0–95% | 7.09% | 8.26% |
| Home Loan 2yr Fixed Rate I/O | fixed 2y | 0–95% | 7.14% | 8.41% |
| Home Loan 1yr Fixed Rate I/O | fixed 1y | 0–95% | 7.24% | 8.58% |
| Low Rate Essentials Int Only | variable | 70–80% | 7.29% | 7.31% |
| Home Loan 5yr Fixed I/O | fixed 5y | 0–95% | 7.69% | 8.28% |
| Low Rate Essentials Int Only | variable | 80–85% | 9.01% | 9.04% |
| Low Rate Essentials Int Only | variable | 85–95% | 9.41% | 9.44% |
Investment, principal and interest
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Inv Low Rate Essentials | variable | 0–50% | 6.39% | 6.41% |
| Allium Money Essentials Inv | variable | 0–80% | 6.39% | 6.39% |
| Inv Low Rate Essentials | variable | 50–60% | 6.49% | 6.51% |
| Allium Money Premium Inv | variable | 0–80% | 6.54% | 6.54% |
| Inv Low Rate Essentials | variable | 60–70% | 6.59% | 6.61% |
| Inv Low Rate Essentials | variable | 70–80% | 6.64% | 6.66% |
| Inv Low Rate Essentials | variable | 80–85% | 6.83% | 6.85% |
| Inv Low Rate Essentials | variable | 85–90% | 6.98% | 7.00% |
| Inv Premium Pack 2yr Fixed | fixed 2y | 0–90% | 6.99% | 6.98% |
| Inv Premium Pack 1yr Fixed | fixed 1y | 0–90% | 7.04% | 6.95% |
| Inv Home Loan 3yr Fixed | fixed 3y | 0–90% | 7.14% | 8.78% |
| Inv Premium Pack 3yr Fixed | fixed 3y | 0–90% | 7.14% | 7.06% |
| Inv Home Loan 1yr Fixed | fixed 1y | 0–90% | 7.24% | 9.24% |
| Inv Home Loan 2yr Fixed | fixed 2y | 0–90% | 7.24% | 9.01% |
| Inv Home Loan 5yr Fixed | fixed 5y | 0–90% | 7.49% | 8.58% |
| Inv Premium Pack 5yr Fixed | fixed 5y | 0–90% | 7.59% | 7.34% |
| Inv Home Loan Variable | variable | 0–90% | 9.63% | 9.70% |
Investment, interest only
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Allium Money Essentials Inv IO | variable | 0–80% | 6.54% | 6.54% |
| Allium Money Premium Inv IO | variable | 0–80% | 6.59% | 6.59% |
| Inv Low Rate Essentials I/O | variable | 60–70% | 6.64% | 6.66% |
| Inv Low Rate Essentials I/O | variable | 70–80% | 6.64% | 6.66% |
| Inv Low Rate Essentials I/O | variable | 50–60% | 6.64% | 6.66% |
| Inv Low Rate Essentials I/O | variable | 0–50% | 6.64% | 6.66% |
| Inv Low Rate Essentials I/O | variable | 80–85% | 6.84% | 6.86% |
| Inv Low Rate Essentials I/O | variable | 85–∞% | 6.94% | 6.96% |
| Inv Premium Pack 3yr Fixed I/O | fixed 3y | 0–90% | 7.09% | 7.04% |
| Inv Premium Pack 2yr Fixed I/O | fixed 2y | 0–90% | 7.14% | 7.01% |
| Inv Premium Pack 1yr Fixed I/O | fixed 1y | 0–90% | 7.24% | 6.97% |
| Inv Home Loan 3yr Fixed I/O | fixed 3y | 0–90% | 7.29% | 8.83% |
| Inv Home Loan 2yr Fixed I/O | fixed 2y | 0–90% | 7.34% | 9.04% |
| Inv Home Loan 1yr Fixed I/O | fixed 1y | 0–90% | 7.44% | 9.26% |
| Inv Premium Pack 5yr Fixed I/O | fixed 5y | 0–90% | 7.59% | 7.34% |
| Inv Home Loan 5yr Fixed I/O | fixed 5y | 0–90% | 7.69% | 8.68% |
| Inv Home Loan Variable I/O | variable | 0–90% | 10.06% | 10.13% |
Left out of the figures above
| Product | Why it is out | Rate |
|---|---|---|
| Green Plus Home Loan | Eligibility | 5.85% |
| Premium Package | Eligibility | 5.99% |
| Green Home Loan | Eligibility | 6.10% |
| Premium Package 1Yr Fixed | Eligibility | 6.24% |
| Premium Package 2Yr Fixed | Eligibility | 6.29% |
| Green Plus Home Loan IO | Eligibility | 6.34% |
| Inv Green Plus Home Loan | Eligibility | 6.38% |
| Premium Package 3Yr Fixed | Eligibility | 6.39% |
| Inv Premium Package | Eligibility | 6.49% |
| Inv Green Plus Home Loan IO | Eligibility | 6.50% |
| Green Home Loan IO | Eligibility | 6.55% |
| Inv Premium Package I/O | Eligibility | 6.59% |
What changed
Gateway Bank last moved a rate line on Monday 17 August. Every line is read each morning and has come back the same since.
Does this look wrong? or could it be better
Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Gateway Bank told you, it is usually one of these.
The published data is wrong
Gateway Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source — if the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.
Everything identifying the feed is filled in below. The one part left is what you saw.
Consumer Data Right — Product Reference Data quality Data holder brand: Gateway Bank ABN: not published in the CDR Register Product Reference Data endpoint: https://public.cdr-api.gatewaybank.com.au Data read from that endpoint on: Sunday 13 September Rate lines published at that time: 104 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent.
This page reads it wrongly
The rate is published correctly and this page has misread it: a band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not. That one is mine. Tell me and I will fix it, and say which lender so I can find the row.
Something is missing
A figure this page should show and does not, or a lender that should be here and is not. Same place. The data behind every page here is free to download if you would rather check it yourself first.
Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. What this site collects.
Building something with this? There is an API, and the data is free.
Found in the data: what lenders charge above 80% and the rate a fixed loan resets to.