Green Plus Home Loan
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.10% | 6.38% | Variable · owner occupied · principal and interest | Green upgrade | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/173- Content hash
sha256 68ea25ebb5bd31c6ec07a39d329493c8e631a3d6c21853ab1a89492f5707aec6- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_68ea25ebb5bd31c6_85bcf5f7Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/173- Content hash
sha256 68ea25ebb5bd31c6ec07a39d329493c8e631a3d6c21853ab1a89492f5707aec6- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Home Loan Fee | Periodic | $299.00 |
| Annual Home Loan Fee | Periodic | $299.00 |
| Discharge Fee - First Security | Exit | $300.00 |
| Discharge Fee - Per Additional Security | Exit | $95.00 |
| Establishment Fee | Upfront | $0.00 |
| Legal Fee | Upfront | $0.00 |
| Valuation Fee | Upfront | $0.00 |
| Additional Valuation Fee | Event | $0.00 |
| Split Loan Account Fee | Upfront | $0.00 |
| Mortgage Registration Fee | Upfront | $0.00 |
| Construction Progress Inspection Fee | Event | $150.00 |
| Construction Additional Progress Payment Fee | Event | $150.00 |
| Construction Final Inspection Fee | Event | $325.00 |
| Top Up Fee | Transaction | $0.00 |
| Rate Lock Fee | Upfront | $0.00 |
| Switch Fee | Event | $150.00 |
| Security Variation Fee | Event | $0.00 |
| Early Repayment Adjustment (ERA)(break costs) | Exit | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Complementary product discounts | 0.25% discount off our standard Premium Package Home Loan rate | Discounted interest rate for 7 Star NatHERs rated homes. 0.25% discount off our standard Premium Package Home Loan rate |
| Complementary product discounts | Earn an extra 0.10%p.a. on your Term Deposit accounts | Preferential term deposit rates. Earn an extra 0.10%p.a. on your Term Deposit accounts so your investments work harder for you |
| Complementary product discounts | 10% discount off CGU General Insurance premiums | Preferential insurance rates. Enjoy a 10% discount off CGU General Insurance premiums |
| Digital banking | Access is available to online banking features for the product | |
| Extra repayments | Unlimited extra repayments | |
| Offset | An offset account is a transactional account that is linked to your home loan. Any balance in this account is offset against an equivalent portion of your home loan balance and generates an interest reduction on your loan | |
| Other | Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans | |
| Redraw | Home loan redraw facilities allow borrowers to withdraw the additional funds they put into their variable rate home loan | |
| Eligibility: min age | 18 | |
| Eligibility: other | To be eligible for Gateway's Green Plus Home Loan, the property must have a Nationwide House Energy Rating Scheme (NatHERS), or a Residential Efficiency Scorecard rating of 7 Stars or higher for energy efficiency. This needs to be evidenced with a certificate from an accredited NatHERS or Residential Efficiency Scorecard assessor. New builds or construction plans that have been certified with a 7 Star NatHERS or Residential Efficiency Scorecard rating are also eligible. For security property in the ACT, which has its own system for energy rating, a certificate from a rater licensed in the ACT showing at least a 7 Star rating is also acceptable. | |
| Limit: max limit | 2000000.00 | |
| Limit: max lvr | 80.00 | |
| Limit: min limit | 250000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.10% | 6.38% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:green-upgrade | Green upgrade | Left out of the standard home loan table |
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