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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 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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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 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 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 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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Home Loans from Citibank

Product
Advertised Rate
Comparison Rate
Monthly Repayment
Go To Site
Advertised Rate4.52%Variable
Comparison Rate4.57%
Monthly Repayment$1277over 30 years
Details
Advertised Rate3.99%Fixed - 3 years
Comparison Rate4.63%
Monthly Repayment$1286over 30 years
Details
Advertised Rate4.19%Fixed - 5 years
Comparison Rate4.65%
Monthly Repayment$1289over 30 years
Details
Advertised Rate3.99%Fixed - 2 years
Comparison Rate4.66%
Monthly Repayment$1291over 30 years
Details
Advertised Rate4.62%Variable
Comparison Rate4.67%
Monthly Repayment$1292over 30 years
Details
Advertised Rate3.99%Fixed - 1 year
Comparison Rate4.69%
Monthly Repayment$1295over 30 years
Details
Advertised Rate4.37%Variable
Comparison Rate4.74%
Monthly Repayment$1303over 30 years
Details
Advertised Rate4.72%Variable
Comparison Rate4.77%
Monthly Repayment$1307over 30 years
Details
Advertised Rate4.47%Variable
Comparison Rate4.84%
Monthly Repayment$1318over 30 years
Details
Advertised Rate4.19%Fixed - 3 years
Comparison Rate4.84%
Monthly Repayment$1318over 30 years
Details
Advertised Rate4.82%Variable
Comparison Rate4.87%
Monthly Repayment$1322over 30 years
Details
Advertised Rate4.19%Fixed - 2 years
Comparison Rate4.87%
Monthly Repayment$1322over 30 years
Details
Advertised Rate4.39%Fixed - 5 years
Comparison Rate4.87%
Monthly Repayment$1322over 30 years
Details
Advertised Rate4.19%Fixed - 1 year
Comparison Rate4.90%
Monthly Repayment$1327over 30 years
Details
Advertised Rate4.57%Variable
Comparison Rate4.94%
Monthly Repayment$1333over 30 years
Details
Advertised Rate4.58%Variable
Comparison Rate4.95%
Monthly Repayment$1334over 30 years
Details
Advertised Rate4.67%Variable
Comparison Rate5.04%
Monthly Repayment$1348over 30 years
Details
Advertised Rate4.68%Variable
Comparison Rate5.05%
Monthly Repayment$1350over 30 years
Details
Advertised Rate4.78%Variable
Comparison Rate5.15%
Monthly Repayment$1365over 30 years
Details
Advertised Rate4.88%Variable
Comparison Rate5.25%
Monthly Repayment$1381over 30 years
Details
Advertised Rate4.69%Fixed - 5 years
Comparison Rate5.43%
Monthly Repayment$1409over 30 years
Details
Advertised Rate4.59%Fixed - 4 years
Comparison Rate5.47%
Monthly Repayment$1415over 30 years
Details
Advertised Rate4.49%Fixed - 3 years
Comparison Rate5.53%
Monthly Repayment$1424over 30 years
Details
Advertised Rate4.89%Fixed - 5 years
Comparison Rate5.62%
Monthly Repayment$1438over 30 years
Details
Advertised Rate4.49%Fixed - 2 years
Comparison Rate5.63%
Monthly Repayment$1440over 30 years
Details
Advertised Rate4.79%Fixed - 4 years
Comparison Rate5.66%
Monthly Repayment$1445over 30 years
Details
Advertised Rate4.69%Fixed - 3 years
Comparison Rate5.73%
Monthly Repayment$1456over 30 years
Details
Advertised Rate4.49%Fixed - 1 year
Comparison Rate5.75%
Monthly Repayment$1459over 30 years
Details
Advertised Rate4.59%Fixed - 6 months
Comparison Rate5.81%
Monthly Repayment$1468over 30 years
Details
Advertised Rate4.69%Fixed - 2 years
Comparison Rate5.83%
Monthly Repayment$1472over 30 years
Details
Advertised Rate5.73%Variable
Comparison Rate5.87%
Monthly Repayment$1478over 30 years
Details
Advertised Rate4.69%Fixed - 1 year
Comparison Rate5.94%
Monthly Repayment$1489over 30 years
Details
Advertised Rate4.59%Fixed - 6 months
Comparison Rate6.00%
Monthly Repayment$1499over 30 years
Details
Advertised Rate5.93%Variable
Comparison Rate6.07%
Monthly Repayment$1510over 30 years
Details
Advertised Rate6.10%Variable
Comparison Rate6.28%
Monthly Repayment$1544over 30 years
Details
Advertised Rate6.30%Variable
Comparison Rate6.48%
Monthly Repayment$1577over 30 years
Details
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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