Inv Low Rate Essentials

 General Lending Rates

• Lending Rate Type: Variable
• Interest Rate: 6.26%, Comparison Rate 6.28%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.38%, Comparison Rate 6.40%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 8.10%, Comparison Rate 8.12%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

 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

• Redraw Additional Information: Home loan redraw facilities allow borrowers to withdraw the additional funds they put into their variable rate home loan

• Unlimited Txns Additional Information: Unlimited extra repayments

 Product Eligibility

• Min Age - 18.

 Bank Fees and Charges

• Legal Fee (Upfront), Amount: 275.00. Additional Information: Payable at settlement to cover solicitor's documentation costs

• Top-up Fee (Event), Amount: 200.00. Additional Information: Payable at settlement when increasing loan borrowings

• Switch Fee (Exit), Amount: 125.00. Additional Information: 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: 200.00. Additional Information: Payable if Gateway agrees to vary the security on an existing loan

• 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 Low Rate Essentials

• 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)

• Annual Package Fee (Upfront), Amount: 0.00. Additional Information: Nil for Low Rate Essentials Loans

• Split Loan Account Fee (Upfront), Amount: 99.00. Additional Information: Nil, up to 2 loan accounts. Fees apply thereafter

• Mortgage Registration Fee (Upfront), Amount: 0.00. Additional Information: Government charges at cost

• Exit Fee (Exit), Amount: 0.00. Additional Information: Nil for Low Rate Essentials Loans

• Additional Valuation Fee (Event), Amount: 0.00. Additional Information: Payable at cost if we or you decide to obtain an additional valuation report (which we may do at any time)

 Limitations & Restrictions (Constraints)

• Max Limit of 2000000.00

• Min Limit of 50000.00