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Citibank Home Loans

Citibank is a global bank and a subdivision of Citigroup, one of the largest financial institutions in the world. Citibank offers a full range of financial services products, including transaction accounts to home loans, personal loans, and credit cards.

Citibank Mortgage Power Loan

Citibank’s Mortgage Power Loan is line of credit facility with a number of features. The minimum borrowing amount is $50,000 and the loan can be split between fixed and variable rates. Additional repayments and a redraw facility are available with the variable portion.

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Citibank Basic Variable Loan

Citibank’s Basic Variable Rate Loan is a simple variable rate loan with a minimum borrowing amount of $50,000 and a maximum of $4,000,000. Borrowers require at least a 10 per cent deposit. Features include loan portability, additional repayments, a redraw facility available and a split loan option for up to five years.

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Citibank Fixed Rate Mortgage

Citibank’s Fixed Loan is a fixed rate loan for borrowers who are looking for repayment certainty. Borrowers with a 10 per cent deposit can fix their loan for between six months and five years. Additional repayments are allowed, but capped at $1000 per year. Other features include portability and split loan options.

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Citibank Standard Variable Loan

Citibank’s Standard Variable Rate Loan is a variable rate loan, with the option to fix the interest rate or split between fixed and variable rates. Features include interest-only payments for a period of time, additional repayments (capped for fixed loans) and a redraw facility.

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Citibank Mortgage Plus Loan

The Mortgage Plus Loan is a variable rate loan, packaged with a fee-free transaction account and credit card. Borrowers have the option to split the loan with a fixed interest rate for a period of time. The minimum borrowing amount is $150,000 and the maximum is $4,000,000. The loan is available to borrowers with a ten per cent deposit or higher. Features include portability, additional repayments (capped for fixed loans), a redraw facility, free travel insurance and a rewards program.

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Home Loans from Citibank

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Pros
  • Global player.
  • Very flexible loan products.
  • Full range of financial services available.
  • Competitive fixed rate loans available.
Cons
  • High fees.
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Customer Service

Citibank has a 24/7 support via its website. Some of its services for members and prospective borrowers include mortgage brokers, a live chat service and a inbound call centre. Customers can access their funds via a large network of Citibank ATMs located around Australia.

  • Customer service centre (phone)
  • Online banking
  • Email
  • Live Chat
  • Branch
  • Mobile banking staff
Applying and Eligibility

Borrowers can apply for a Citibank loan online or arrange for a consultation with a customer service representative. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification material.
  • Proof of income and other earnings.
  • Proof and type of employment.
  • Details of current loans, debts and liabilities.
  • Personal insurance documents.
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