Variable Rate Home Loan

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Gateway Credit Union Ltd ABN 47 087 650 093 AFSL/Australian Credit Licence Number 238293

Variable Rate Home Loan

Product description Looking for a home loan with a competitive rate that won’t limit your options? Whether you’re planning on purchasing a home or refinancing an existing loan, this home loan offers flexibility and choice to suit you. You can also split your loan to combine the assurance of a Fixed Rate with the flexibility of a Variable Rate. We have redraw and offset facilities to help you save on interest costs, keeping more money in your wallet.

Loan amount Minimum $20,000 Maximum $2,000,000

Maximum LVR Up to 95% of security property value for owner-occupier purchases or 90% for

(including LMI) home loan refinances. Up to 90% for applications with investment as the loan purpose or security.

LMI required if borrowing more than 80% ofthe security property value.

Flexible loan term No minimum term Up to 30 years

Redraw facility Have the flexibility of making additional repayments to reduce your interest costs and then access these funds when needed through our Redraw Facility Easily withdraw additional funds via Online Banking to save you time

100% Loan Offset Save on interest costs to keep more money in your pocket Account Easily access funds via Online Banking to save you time

Access options Convenient 24/7 access to your Everyday Savings or 100% Loan Offset Account with a free Visa Debit Card*

Repayment options Principal & Interest or Interest Only (up to 5 years) Weekly, Fortnightly or Monthly (Monthly for Interest Only)

Pay your loan off faster and save on interest costs with unlimited additional repayments

No hidden fees No annual fee or ongoing administration fee

Establishment fee and Legal fee payable on settlement

Loan variation fees may apply when changing the structure of an existing Gateway loan Discharge fee payable when discharging your mortgage with Gateway For other fees, view our Loan Accounts Fees and Charges

Important information: Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply. You should consider if a Visa Debit Card, Online Banking, 100% Loan Offset account or an Everyday Savings account is right for you. *ATM fees apply if non Westpac ATMs (Westpac in Australia, St George, BankSA and Bank of Melbourne), non Cashcard ATMs, and/or overseas ATMs are accessed.

www.gatewaycu.com.au

To learn more about Gateway Home Loans call

1300 302 474

or email

[email protected]

v9 Details are current as at 11 September 2015

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To learn more about Gateway Home Loans call

1300 302 474

or email

[email protected]

Important information: Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply. You should consider if a Visa Debit Card or an Everyday Savings account is right for you. *ATM fees apply if non Westpac ATMs (Westpac in Australia, St George, BankSA and Bank of Melbourne), non Cashcard ATMs, and/or overseas ATMs are accessed.

Fixed Rate Home Loan

Product description Concerned interest rates will rise? A Gateway Fixed Rate Home Loan provides comfort in knowing exactly what your repayments will be for one to three years. The fixed interest rates for the different terms are very competitive and assist you in being able to manage your budget with certainty. You can lock in a fixed rate for 90 days while you’re looking for a home or an investment property. You may also prefer to split your loan with a variable rate to enjoy the best of both worlds.

Flexible loan terms Fixed rate periods for 1, 2 or 3 years Maximum overall term of 30 years

Rate Lock available Secure a competitive fixed rate for up to 90 days (fees apply)

Access options Convenient 24/7 access to your Everyday Savings Account with a free Visa Debit Card*

Repayment options Principal & Interest or Interest Only (up to 3 years) Weekly, Fortnightly or Monthly (monthly for Interest Only)

No hidden fees No annual fee or ongoing administration fee

Loan variation fees may apply when changing the structure of an existing Gateway loan

Discharge fee payable when discharging your mortgage with Gateway

If the loan is paid out within the fixed term or if Gateway incurs a loss, an Early Repayment Adjustment (ERA) may apply

For other fees, view our Loan Accounts Fees and Charges v9 Details are current as at 11 September 2015

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To learn more about Gateway Home Loans call

1300 302 474

or email

[email protected]

Important information: Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply. You should consider if a Visa Debit Card, Online Banking or an Everyday Savings Account is right for you.*ATM fees apply if non Westpac ATMs (Westpac in Australia, St George, BankSA and Bank of Melbourne), non Cashcard ATMs, and/or overseas ATMs are accessed.

Low Rate Essentials Home Loan

Product description Want to save money on your home loan? A Gateway Low Rate Essentials Home Loan offers you just that - a low variable rate for the life of your loan. You will always enjoy a low rate to help you pay off your loan sooner and we’ll even give you the option of splitting your loan with a fixed rate.

Loan amount Minimum $50,000

Maximum $1,000,000

Redraw facility Have the flexibility of making additional repayments to reduce your interest costs and then access these funds when you need them through our Redraw Facility Easily withdraw your additional repayments via Online Banking to save you time

Repayment options Principal & Interest or Interest Only (up to 5 years) Weekly, Fortnightly or Monthly (Monthly for Interest Only)

No hidden fees No annual fee or ongoing loan administration fee Legal fee payable on settlement

Loan variation fees may apply when changing the structure of an existing Gateway loan

Discharge fee payable when discharging your mortgage with Gateway For other fees, view our Loan Accounts Fees and Charges

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To learn more about Gateway Home Loans call

1300 302 474

or email

[email protected]

Important information: Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply. 100% Loan Offset Account and Redraw Facility are only available when the loan has a variable rate. Insurance is issued by CGU Insurance Limited ABN 27004 478 371 AFSL 238291. You should consider if a Visa Debit Card, Term Deposit Account, CGU Insurance, Online Banking, 100% Loan Offset Account or an Everyday Savings Account is right for you. *ATM fees apply if non Westpac ATMs (Westpac in Australia, St George, BankSA and Bank of Melbourne), non Cashcard ATMs, and/or overseas ATMs are accessed. ^Covers one request annually.

Premium Package

Product description If you are looking for a great price on your home loan package, and have enough equity in your home, a Gateway Premium Package could be what you’re looking for. Plus you get bonus term deposit rates and discounts on CGU General Insurance premiums. You have the ability to select a low variable rate, low fixed rate or a combination of the two, it’s your decision. Enjoy the flexibility and the extra money you can save with this package.

Loan Rate Have the ability to choose between a low variable interest rate, or 1, 2 or 3 year fixed rates or a combination of fixed and variable rates

Maximum LVR Up to 95% of security property value for owner-occupier purchases or 90% for home

(including LMI) loan refinances. Up to 90% for applications with investment as the loan purpose or security.

LMI required if borrowing more than 80% ofthe security property value. Flexible loan term Up to 30 years

Rate lock available Secure a competitive fixed rate for up to 90 days (fees apply)

Redraw facility Have the flexibility to make unlimited additional repayments to reduce the interest on your variable rate loan

Easily withdraw additional repayments on your variable rate loan via Online Banking to save you time

100% Loan Offset Available on Variable Rate only

Account Save on interest costs and keep more money in your pocket Easily access funds via Online Banking to save you time

Package extras Earn an extra 0.10%p.a. on your Term Deposit accounts so your investments work harder for you

Enjoy a 10% discount off CGU General Insurance premiums

Access options Convenient 24/7 access to your Everyday Savings or 100% Loan Offset Account (linked to Variable Rate only) with a free Visa Debit Card*

Repayment options Principal & Interest or Interest Only (up to 5 years - variable rate; up to 3 years - fixed rate)

Weekly, Fortnightly or Monthly (Monthly for Interest Only)

No hidden fees Annual Package fee $299 payable on settlement and annually thereafter Free loan variation^

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To learn more about Gateway Home Loans call

1300 302 474

or email

[email protected]

Important information: Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply. 100% Loan Offset Account and Redraw Facility are only available when the loan has a variable rate. You should consider if a Visa Debit Card, Online Banking, 100% Loan Offset Account or an Everyday Savings Account is right for you. *ATM fees apply if non Westpac ATMs (Westpac in Australia, St George, BankSA and Bank of Melbourne), non Cashcard ATMs, and/or overseas ATMs are accessed.

Construction Loan

Product description Overwhelmed by the building plans for your dream home? If you have definite plans to commence building your home or investment property, a Gateway Construction Loan may be the right choice for you. As well as making Interest Only repayments whilst you build, you’ll get free redraw and an offset facility to help you save on interest costs, keeping more money in your pocket. Plus at the end of the construction period you can switch to a suitable Gateway loan at no cost.

Maximum $2,000,000

Maximum LVR Up to 95% of security property value for owner-occupier purchases or 90% for home

(including LMI) loan refinances. Up to 90% for applications with investment as the loan purpose or security. LMI required if borrowing more than 80% ofthe security property value.

Redraw facility Have the flexibility of making additional repayments to reduce your interest costs and then access these funds when you need them through our Redraw Facility (also available during the construction period)

Easily withdraw your additional repayments via Online Banking to save you time 100% Loan Offset Available during the construction period

Account Save on interest costs and keep more money in your pocket Easily access funds via Online Banking to save you time

Access options Convenient 24/7 access to your Everyday Savings or 100% Loan Offset Account (linked to Variable Rate only) with a free Visa Debit Card*

Repayment options Interest Only (Monthly repayments) during the construction period Principal & Interest or Interest Only (up to 5 years) once construction is complete and loan is converted to the Standard Variable Rate product

Weekly, Fortnightly or Monthly (Monthly for Interest Only) Pay your loan off faster and save on interest costs with unlimited additional repayments

No hidden fees No annual fee or ongoing loan administration fee Establishment fee and Legal fee payable on settlement Final Inspection fee payable at cost prior to final draw down

No switch fee when switching to another Gateway home loan upon completion of construction

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To learn more about Gateway Home Loans call

1300 302 474

or email

[email protected]

Important information: Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply. 100% Loan Offset Account and Redraw Facility are only available when the loan has a variable rate. You should consider if a Visa Debit Card, Online Banking, 100% Loan Offset Account or an Everyday Savings Account is right for you. *ATM fees apply if non Westpac ATMs (Westpac in Australia, St George, BankSA and Bank of Melbourne), non Cashcard ATMs, and/or overseas ATMs are accessed.

Land Loan Variable Rate

Product description Found the dream block of land but not ready to start building your dream home? Gateway’s Land Loan gives you the flexibility to purchase the land whilst you organise your building plans and approvals. You’ll also get free redraw and an offset facility to help you save on interest costs. And, if you start building within 12 months of settlement, Gateway will waive the Establishment Fee when refinancing to the Gateway Construction Loan.

Maximum $750,000

Maximum Loan to 80% of security property value Value Ratio

Redraw facility Have the flexibility of making additional repayments to reduce your interest costs and then access these funds when you need them through our Redraw Facility (also available during the construction period)

Easily withdraw your additional repayments via Online Banking to save you time 100% Loan Offset Save on interest costs and keep more money in your pocket

Account Easily access funds via Online Banking to save you time

Access options Convenient 24/7 access to your Everyday Savings or 100% Loan Offset Account with a free Visa Debit Card*

Repayment options Principal & Interest or Interest Only (up to 5 years)

Weekly, Fortnightly or Monthly (Monthly for Interest Only) Pay your loan off faster and save on interest costs with unlimited additional repayments No hidden fees No annual fee or ongoing loan administration fee

No variation fee if refinancing from your Land Loan to a Gateway Construction Loan Discharge fee payable when discharging your mortgage with Gateway

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To learn more about Gateway Home Loans call

1300 302 474

or email

[email protected]

Important information: Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply. You should consider if a Visa Debit Card or an Everyday Savings Account is right for you. *ATM fees apply if non Westpac ATMs (Westpac in Australia, St George, BankSA and Bank of Melbourne), non Cashcard ATMs, and/or overseas ATMs are accessed.

Land Loan Fixed Rate

Product description Found the dream block of land but not ready to start building your dream home? Gateway’s Land Loan Fixed Rate helps you to lock in a fixed interest rate to safeguard against potential rising interest rates whilst you organise your building plans and approvals. If you start building within 12 months of settlement, Gateway will waive the Establishment Fee when refinancing to the Gateway Construction Loan.

Maximum $750,000

Maximum Loan to 80% of security property value Value Ratio

Flexible loan term Fixed rate periods for 1, 2 and 3 years Maximum overall term of 30 years

Rate Lock available Secure a competitive fixed rate for up to 90 days (fees apply)

Repayment options Principal & Interest or Interest Only (up to 3 years)

Weekly, Fortnightly or Monthly (Monthly for Interest Only) Pay your loan off faster and save on interest costs with unlimited additional repayments

No hidden fees No annual fee or ongoing loan administration fee Establishment fee and Legal fee payable on settlement

No variation fee if refinancing from your Land Loan to a Gateway Construction Loan

Discharge fee payable when discharging your mortgage with Gateway

If the loan is paid out within the fixed term an Early Repayment Adjustment (ERA) may apply

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To learn more about Gateway Home Loans call

1300 302 474

or email

[email protected]

Important information: Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply. You should consider if a Visa Debit Card or Online Banking is right for you. *ATM fees apply if non Westpac ATMs (Westpac in Australia, St George, BankSA and Bank of Melbourne), non Cashcard ATMs, and/or overseas ATMs are accessed.

EquitiSmart Home Loan

Product description Want to unleash the potential of your home’s equity? A Gateway EquitiSmart Home Loan is packed with benefits and allows you to access the equity in your property to meet your changing needs. This might include paying for home renovations, starting a share portfolio or going on your dream holiday. You even have the option of splitting your home loan to enjoy the best of both worlds.

Maximum Loan to 80% of security property value Value Ratio

Flexible loan term No minimum term No maximum term

Access options Convenient 24/7 Online Banking access with a free Visa Debit Card*

Repayment options No minimum repayments required, as long as the loan balance is maintained within the approved limit

No hidden fees No annual fee or ongoing loan administration fee Establishment fee and Legal fee payable on settlement

No draw down or facility fees

Loan variation fee may apply when changing the structure on an existing Gateway home loan