Green Commercial Property Loan

 General Lending Rates

 Product Features

• Digital Banking Additional Information: Access is available to online banking features for the product.

• Other Additional Information: Options to split variable options and fixed rate. Interest rate lock for up to 90 days on fixed rate loans.

• Other Additional Information: Additional Repayments: Make additional repayments to help reduce your loan term

• Other Additional Information: Up to 30 year loan term*: Helps manage cashflows when compared to shorter loan term options

• Other Additional Information: Repayments: Principal & Interest and Interest Only options available

• Other Additional Information: Discounted Interest Rate: For 4 Star rating or higher from NABERS or GBCA commercial property

• Redraw Additional Information: Available on variable rate loans only. Minimum redraw amount $10,000

 Product Eligibility

• Business

• Other Additional Information: To be eligible for Gateway's Green Commercial Property Loan, the commercial property must have a 4 Star rating or above from NABERS (National Australian Built Environment Rating System), or for newly builds a 4 Star Green Star Building rating or above from GBCA (Green Building Council Australia), or for existing buildings a 4 Star rating Green Star Performance rating or above from GBCA. This needs to be evidenced with a certificate from NABERS or GBCA. Established or newly built commercial properties that have been certified with a 4 Star rating or above from NABERS or GBCA are eligible.

 Bank Fees and Charges

• Establishment Fee (Upfront), Amount: 1500.00. Additional Information: Payable at settlement. This fee is paid for us to assess, process and prepare loan documentation to enable the loan to settle. $1,500 for loans up to $750K and 0.40% of total amount applied for over $750K (for standard applications)

• Legal Fee (Upfront), Amount: 0.00. Additional Information: Document preparation costs and out-of-pocket expenses. At Cost

• Valuation Fee (Event), Amount: 0.00. Additional Information: The amount of all valuation fees Gateway Bank incurs or has to pay its valuer in connection with a valuation of the property. At Cost

• Monthly Fee (Periodic), Amount: 25.00. Additional Information: Ongoing monthly service fee

• Early Termination Fee (Event), Amount: 0.00. Additional Information: Payable if the loan amount is paid in full within 3 years. 1.00% of the total loan amount applied for

• Split Loan Account Fee (Event), Amount: 99.00. Additional Information: Two loan accounts (i.e. Variable & Fixed) free. Fee for subsequent splits

• Top Up Fee (Event), Amount: 500.00. Additional Information: Payable at settlement when increasing loan borrowings

• Switch Fee (Event), Amount: 125.00. Additional Information: Payable if Gateway agrees to vary the Loan Agreement on existing Gateway loan, for example; Repayment switch (e.g. P&I to Interest Only) Product switch (e.g. from variable rate to a fixed rate) $125 per switch

• Security Variation Fee (Event), Amount: 200.00. Additional Information: Payable if Gateway agrees to vary the security on an existing loan. $200 per variation

• Discharge Fee (Event), Amount: 300.00. Additional Information: Payable at the time of each discharge of mortgage Discharge Fee - First Security $300 Discharge Fee - Per additional Security $95

 Limitations & Restrictions (Constraints)

• Max Limit of 4000000.00

• Min Limit of 250000.00