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Gateway Bank Low Rate Essentials Home Loan

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 85%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 85%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 85%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 85%
The details shown below are for an investor taking out a interest only loan between $50,000 and $2,000,000 with an LVR below 90%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 80% $50,000 $2,000,000
Owner Occupier Principal & Interest 80%-85% $50,000 $2,000,000
Owner Occupier Principal & Interest 85%-95% $50,000 $2,000,000
Owner Occupier Interest Only 85%-95% $50,000 $2,000,000
Owner Occupier Interest Only < 80% $50,000 $2,000,000
Owner Occupier Interest Only 80%-85% $50,000 $2,000,000
Investor Principal & Interest < 80% $50,000 $2,000,000
Investor Principal & Interest 80%-85% $50,000 $2,000,000
Investor Principal & Interest 85%-90% $50,000 $2,000,000
Investor Interest Only < 80% $50,000 $2,000,000
Investor Interest Only 80%-85% $50,000 $2,000,000
Investor Interest Only 85%-90% $50,000 $2,000,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $50,000 $2,000,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-85%
    Loan: $50,000 $2,000,000
  • Owner Occupier (Principal & Interest)
    LVR 85%-95%
    Loan: $50,000 $2,000,000
  • Owner Occupier (Interest Only)
    LVR 85%-95%
    Loan: $50,000 $2,000,000
  • Owner Occupier (Interest Only)
    LVR < 80%
    Loan: $50,000 $2,000,000
  • Owner Occupier (Interest Only)
    LVR 80%-85%
    Loan: $50,000 $2,000,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $50,000 $2,000,000
  • Investor (Principal & Interest)
    LVR 80%-85%
    Loan: $50,000 $2,000,000
  • Investor (Principal & Interest)
    LVR 85%-90%
    Loan: $50,000 $2,000,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $50,000 $2,000,000
  • Investor (Interest Only)
    LVR 80%-85%
    Loan: $50,000 $2,000,000
  • Investor (Interest Only)
    LVR 85%-90%
    Loan: $50,000 $2,000,000
Rate
6.59% p.a.
Comparison Rate
6.61% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
7.49% p.a.
Comparison Rate
7.51% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
7.99% p.a.
Comparison Rate
8.01% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
9.41% p.a.
Comparison Rate
9.44% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
7.29% p.a.
Comparison Rate
7.31% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
9.01% p.a.
Comparison Rate
9.04% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
6.28% p.a.
Comparison Rate
6.30% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
7.90% p.a.
Comparison Rate
7.92% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
8.10% p.a.
Comparison Rate
8.12% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
6.43% p.a.
Comparison Rate
6.45% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
9.53% p.a.
Comparison Rate
9.56% p.a.
Service fee
$0.00
Upfront fee
$275
Rate
9.93% p.a.
Comparison Rate
9.96% p.a.
Service fee
$0.00
Upfront fee
$275

Mozo editorial review Gateway Bank Low Rate Essentials Home Loan - last updated: 21 November 2023

binocular icon
What's hot
  • Variable rates from 6.59% rate (6.61% comparison rate*)
  • No ongoing service fee
  • Free extra repayments and redraws
What's not
  • $300 discharge fee
Mozo snapshot

The Gateway Bank Low Rate Essentials Home Loan could be a low rate, low fee home loan option fit for everyone from first home buyers trying to break into the market to investors ready to acquire their next property. The loan features variable rates starting from a competitive 6.59% rate (6.61% comparison rate*), plus there are no application or ongoing service fees to worry about. 

key icon
Key features

Whether you’re after your first home or have your eyes on your next investment, the Gateway Bank Low Rate Home Loan 6.59% rate (6.61% comparison rate*) for owner occupiers and 6.44% (6.46% comparison rate*) for investors, plus there’s no application, settlement or service fees, but there is a $275 legal fee and a $300 discharge fee.

With a maximum LVR of 95% for owner occupiers, first home buyers with a lower deposit will also be able to access the Low Rate Home Loan. However, higher LVRs do come with higher interest rates rate attached, plus low deposit borrowers may also be required to take out lenders mortgage insurance (LMI).     

If you happen to fall into some extra cash, you’ll be able to make extra repayments towards your loan for free. And if you ever need any of those extra contributions back, there’s also a free redraw facility attached to this loan - just be aware that the minimum amount you can redraw is $500. There’ no offset account attached with this loan though.

snapshot
Who is it good for

The Gateway Bank Low Rate Essentials Home Loan could be a great choice for first home buyers or investors looking for relatively low cost option, especially if they aren't fussed about having access to an offset account.

question icon
Any catches

While borrowers won't be hit by any ongoing service fees, they will need to budget for one-off costs such as the $275 legal fee and $300 discharge fee.


Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.59% p.a.

n/a

n/a

n/a

6.61% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

none

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.49% p.a.

n/a

n/a

n/a

7.51% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

80.00%

85.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.99% p.a.

n/a

n/a

n/a

8.01% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

85.00%

95.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

9.41% p.a.

n/a

n/a

n/a

9.44% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

85.00%

95.00%

Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.29% p.a.

n/a

n/a

n/a

7.31% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

none

80.00%

Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

9.01% p.a.

n/a

n/a

n/a

9.04% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

80.00%

85.00%

Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.28% p.a.

n/a

n/a

n/a

6.30% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

none

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

7.90% p.a.

n/a

n/a

n/a

7.92% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

80.00%

85.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

8.10% p.a.

n/a

n/a

n/a

8.12% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

85.00%

90.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.43% p.a.

n/a

n/a

n/a

6.45% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

none

80.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

9.53% p.a.

n/a

n/a

n/a

9.56% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

80.00%

85.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 19 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

9.93% p.a.

n/a

n/a

n/a

9.96% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$275.00

$0.00

$0.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$2,000,000

85.00%

90.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

none

yes - free

$500.00

yes

no

A $95 fee applies for each security discharge in addition to the first. A valuation fee may apply if non-standard or more than one security is used.

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Gateway Bank home loans rated by the Mozo community?

Overall
Price
Features
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Latest review of Gateway Bank Low Rate Essentials Home Loan

About Gateway Bank

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a. variable

6.58% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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Athena

Straight Up with AcceleRATES Variable Home Loan

6.24% p.a. variable

6.24% p.a.

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ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for BCU Bank
BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.34% p.a. variable

6.34% p.a.

Thumbnail icon for Up
Up

Home Variable Rate

5.95% p.a. variable

5.95% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a. variable

6.40% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a. variable

6.58% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.24% p.a. variable

6.24% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a. variable

6.40% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.34% p.a. variable

6.34% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a.

6.58% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.24% p.a.

6.24% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

Thumbnail icon for Athena
Athena

Straight Up with AcceleRATES Variable Home Loan

6.34% p.a.

6.34% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

Thumbnail icon for BCU Bank
BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.09% p.a.
fixed 3 years

6.19% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

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ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

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Sucasa

Ultra Low Rate

6.30% p.a.

6.58% p.a.

$0.00

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Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

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Athena

Straight Up with AcceleRATES Variable Home Loan

6.24% p.a.

6.24% p.a.

$0.00

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ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

$0.00

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Athena

Straight Up with AcceleRATES Variable Home Loan

6.34% p.a.

6.34% p.a.

$0.00

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Up

Home Variable Rate

5.95% p.a.

5.95% p.a.

$0.00

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Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

$248.00 yearly

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BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

$0.00

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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