Gateway Credit Union home loan reviews

Gateway Credit Union
Gateway Credit Union's overall rating for home loans

(as rated by the Mozo community)

8.6 / 10

based on 8 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Gateway Credit Union

Recent Gateway Credit Union home loan reviews

Gateway Credit Union

Gateway Credit Union Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   6 / 10

Good value and personalised service

The credit union ('CU') had very competitive pricing at the time, a simple easy to use web site and very helpful staff on their phone help line. The CU also has really interesting news letters that make customers feel a little less like a number /...

Full review

The credit union ('CU') had very competitive pricing at the time, a simple easy to use web site and very helpful staff on their phone help line. The CU also has really interesting news letters that make customers feel a little less like a number / statistic. On the negative side I am a little concerned about their credit rating and would not take out a variable rate home loan with them.

    Price   7 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   4 / 10

    Trust   6 / 10

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B (QLD), reviewed about 2 years ago

Gateway Credit Union

Gateway Credit Union Variable Rate Home Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Great customer service t

Gateway credit union, Yellow brick road, have been awesome. Would not hesitate to recommend to family and friends. No hidden costs, do not have the fees associated with lots of big banks. Very friendly, always helpful.

Full review

Gateway credit union, Yellow brick road, have been awesome. Would not hesitate to recommend to family and friends. No hidden costs, do not have the fees associated with lots of big banks. Very friendly, always helpful.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Robyn (VIC), reviewed about 2 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   9 / 10

A credit union worth leaving your bank for

Such friendly service, and I always speak to the same person. Everything has been explained to me properly and I understood the process. They also have low fees - much better than the banks.

Full review

Such friendly service, and I always speak to the same person. Everything has been explained to me properly and I understood the process. They also have low fees - much better than the banks.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Scarlet (NSW), reviewed over 2 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   10 / 10

Excellent credit union

Gateway really works with you to help you pick a product suited to you, helps you in times of hardship and also are very conservative lenders - they won't let you borrow more than you can repay! They are also competitive on interest rates :)...

Full review

Gateway really works with you to help you pick a product suited to you, helps you in times of hardship and also are very conservative lenders - they won't let you borrow more than you can repay! They are also competitive on interest rates :) Their service is fantastic and I have never had a problem with any of their staff in 4 years! Excellent.

    Price   10 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   10 / 10

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Daniela (VIC), reviewed almost 3 years ago

Gateway Credit Union

Gateway Credit Union Variable Rate Home Loan (Owner Occupier) home loan review

Overall rating   10 / 10

Competitive interest rates

Competitive rates with excellent offset facility.

Full review

Competitive rates with excellent offset facility.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Jeannette (NSW), reviewed about 3 years ago

Gateway Credit Union

Gateway Credit Union Low Rate Essentials Home Loan (LVR<85%, Owner Occupier) home loan review

Overall rating   8 / 10

Low interest rate and great customer service

They have a low interest rate. It does not cost anything to revert to a fixed interest rate. They have great customer service. They're not big and arrogant.

Full review

They have a low interest rate. It does not cost anything to revert to a fixed interest rate. They have great customer service. They're not big and arrogant.

    Price   10 / 10

    Features   4 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Michael (VIC), reviewed over 3 years ago

Gateway Credit Union

Gateway Credit Union Variable Rate Home Loan (Owner Occupier) home loan review

Overall rating   10 / 10

Fantastic products and competitive

I have been a member for 30 years. I have had loans and line of credits with them over the time. They have always processed my applications quickly. They always communicate where the process is up to. The interest rates are competitive and when...

Full review

I have been a member for 30 years. I have had loans and line of credits with them over the time. They have always processed my applications quickly. They always communicate where the process is up to. The interest rates are competitive and when there is a cut in rates they generally pass it on the customers. I would recommend, and have done, to my family and friends. Banking is easy on the net. Very friendly staff.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Cathy (NSW), reviewed almost 4 years ago

Gateway Credit Union

Gateway Credit Union Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Easy to work with, great service

I like that they gave us a chance when no other bank would. It's nice to know that the younger generation are still appreciated for our hard work and ability to want to make a life for our family.

Full review

I like that they gave us a chance when no other bank would. It's nice to know that the younger generation are still appreciated for our hard work and ability to want to make a life for our family.

    Price   5 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Mozo reviewer (NSW), reviewed over 4 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   7 / 10

Great rates, terrible physical locations

Excellent rate and online facilities. Can only access a physical location in Sydney though, and can't call on weekends, which is a major downside. They don't offer a credit card either, which can make it difficult to pay exactly what I owe exactly...

Full review

Excellent rate and online facilities. Can only access a physical location in Sydney though, and can't call on weekends, which is a major downside. They don't offer a credit card either, which can make it difficult to pay exactly what I owe exactly when I need to pay it.

    Price   9 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   1 / 10

    Trust   8 / 10

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Mitch (NSW), reviewed over 4 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   10 / 10

Great service at great price

They are there when I need them and don't harrass me with crap.

Full review

They are there when I need them and don't harrass me with crap.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Bronwyn (NSW), reviewed about 5 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   9 / 10

They are nothing like the BIG banks, when rates move they don't dilly dally the just move them up or down accordingly.

Full review

They are nothing like the BIG banks, when rates move they don't dilly dally the just move them up or down accordingly.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Jovan (NSW), reviewed almost 6 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   9 / 10

100% offset account, easy telephone access, no ongoing fees, friendly helpful staff, competitive interest rates with easy to read statements.

Full review

100% offset account, easy telephone access, no ongoing fees, friendly helpful staff, competitive interest rates with easy to read statements.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   -1 / 10

    Trust   8 / 10

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Lisa (VIC), reviewed over 6 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   7 / 10

Love the fact that I am supporting a credit union and not making the big banks get bigger. Products are excellent with competitive interest rates. Only con is the lack of branches available in the country but with online banking you just need to...

Full review

Love the fact that I am supporting a credit union and not making the big banks get bigger. Products are excellent with competitive interest rates. Only con is the lack of branches available in the country but with online banking you just need to plan ahead!

    Price   6 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   4 / 10

    Trust   9 / 10

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Leonie (VIC), reviewed over 6 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   10 / 10

easy to deal with hassle free and always available

Full review

easy to deal with hassle free and always available

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Maree (NSW), reviewed about 7 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   8 / 10

Terms less than 3 months are treated as cash so if you have a short term investment you may need to invest elsewhere

Full review

Terms less than 3 months are treated as cash so if you have a short term investment you may need to invest elsewhere

    Price   9 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Jovan (NSW), reviewed over 7 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   10 / 10

No monthly account keeping fee. Great customer service.

Full review

No monthly account keeping fee. Great customer service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Debbie (VIC), reviewed almost 8 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   8 / 10

Gateway offer a 100% offset account - no fee's and the rate is OK. However staff's product knowledge is sometimes not the best.

Full review

Gateway offer a 100% offset account - no fee's and the rate is OK. However staff's product knowledge is sometimes not the best.

    Price   8 / 10

    Features   8 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   7 / 10

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David (NSW), reviewed over 8 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   9 / 10

I have found Gateway very flexible in their handling of my home loan account. Customer service is very good. On the downside, you still have to have a debit card or the like from a major bank for redemption of funds.

Full review

I have found Gateway very flexible in their handling of my home loan account. Customer service is very good. On the downside, you still have to have a debit card or the like from a major bank for redemption of funds.

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Len (NSW), reviewed almost 9 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   9 / 10

The only negative of the Gateway home loan service (if you can call it that) is there is no office/branch to walk into. All calls are returned promptly by knowledgeable, friendly staff. Fees, charges and interest rates are very favourable. ...

Full review

The only negative of the Gateway home loan service (if you can call it that) is there is no office/branch to walk into. All calls are returned promptly by knowledgeable, friendly staff. Fees, charges and interest rates are very favourable. Various access methods (no Bpay). After 25 years of looking after my needs for insurance, home loans, personal loans (first in 1985) I have yet to have a negative experience.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Lisa (VIC), reviewed almost 9 years ago

Gateway Credit Union

Gateway Credit Union home loan review

Overall rating   10 / 10

Not a rip off like the banks

Full review

Not a rip off like the banks

    Price   10 / 10

    Features   / 10

    Customer service   10 / 10

    Convenience   3 / 10

    Trust   9 / 10

Less

Mozo reviewer (SA), reviewed about 9 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.54% p.a. variable
    • Comparison rate*: 3.56% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $700,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
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    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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