Premium Package 3Yr Fixed

 General Lending Rates

 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