Second hike in a month: Macquarie lifts fixed home loan rates
The major lender has jacked up fixed rates for owner-occupiers and investors for the secon...
05 Dec, 2025
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
5.10% p.a. | 5.40% p.a. | $2,715 | Principal & Interest | Variable | $299 | $0 | 80% | |||||||||||||
5.14% p.a. | 5.71% p.a. | $2,727 | Principal & Interest | Fixed | $299 | $0 | 80% | |||||||||||||
5.34% p.a. | 5.77% p.a. | $2,789 | Principal & Interest | Fixed | $299 | $0 | 80% | |||||||||||||
5.35% p.a. | 5.64% p.a. | $2,792 | Principal & Interest | Variable | $299 | $0 | 80% | |||||||||||||
5.44% p.a. | 5.77% p.a. | $2,820 | Principal & Interest | Fixed | $299 | $0 | 80% | |||||||||||||
5.49% p.a. | 5.78% p.a. | $2,836 | Principal & Interest | Variable | $299 | $0 | 80% | |||||||||||||
5.49% p.a. | 5.78% p.a. | $2,836 | Principal & Interest | Variable | $299 | $0 | 75% | |||||||||||||
5.55% p.a. | 5.84% p.a. | $2,313 | Interest-only | Variable | $299 | $0 | 80% |
Important Information and Comparison Rate Warning
What you need to know about Gateway Bank home loans
Gateway Bank is a customer-owned lender that began in 1955. True to its slogan 'for your pocket and your planet', the bank reinvests profits for members' benefit and rolls out products that reward sustainable living. Its single Sydney branch is backed by a full-service contact centre and a mobile-first digital platform.
You might find Gateway Bank a good fit if you:
- Want a mutual bank with a sustainability focus
As a customer-owned institution, Gateway returns 100 % of profits to members and actively promotes environmental products, including Australia's first plant-based Visa cards. - Want the option to package your home loan
The bank offers a basic 'essentials' home loan and a Premium Package mortgage range, with the latter including an offset account and a discounted interest rate at the cost of a $299 annual fee. - Plan to buy or refinance an eco-friendly property
Gateway's Green Home Loan offers a discount of at least 0.15% off its variable rate for homes deemed energy conscious. - Need access to the 5% Deposit Scheme
The bank participates in the Australian Government 5% Deposit Scheme, helping eligible first home buyers purchase with as little as 5%, or single parents with 2%, without paying lenders mortgage insurance (LMI). - Prefer digital banking but still like human help
You can manage repayments via the Gateway App and online banking, while phone support is also available during business hours. - Are interested in a line of credit home loan
Gateway is one of few lenders still offering line of credit home loans, allowing property owners to draw down on their home equity and repay the funds as they see fit, only paying interest on those drawn at any given time. - Plan to buy a vacant block now and might not build within a year
Gateway's land loan lets you secure residential land without needing to build straightaway, as is often a requirement of construction loans.
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