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Citibank was the first foreign-owned bank to be granted a banking license in Australia, in 1985. It’s part of Citigroup, one of the largest financial services organisations in the world, which has been around for over two centuries.

Over 1,600 people work for Citibank in Australia, and it has around a million customers. Citibank has six branches in Australia, three in Sydney and one each in Melbourne, Brisbane and Perth, as well as extensive online and phone services.

Citi home loans

Basic Variable Home Loan (LVR < 80%)
Advertised rate
4.41%
Variable
Upfront fee
$649.00
Comparison rate*
4.46%
Ongoing fee
$0
Compare
Mortgage Plus Fixed Home Loan 2 Years
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$250.00
Comparison rate*
4.67%
Ongoing fee
$350 annually
Compare
Mortgage Plus Fixed Home Loan 1 Year
Advertised rate
4.09%
Fixed - 1 year
Upfront fee
$250.00
Comparison rate*
4.69%
Ongoing fee
$350 annually
Compare
Mortgage Plus Fixed Home Loan 3 Years
Advertised rate
4.29%
Fixed - 3 years
Upfront fee
$250.00
Comparison rate*
4.70%
Ongoing fee
$350 annually
Compare
Mortgage Plus Variable Home Loan ($250k+, LVR < 80%)
Advertised rate
4.36%
Variable
Upfront fee
$250.00
Comparison rate*
4.72%
Ongoing fee
$350 annually
Compare
Mortgage Plus Fixed Investment Loan 2 Years (Principal and Interest) (LVR < 80%)
Advertised rate
4.49%
Fixed - 2 years
Upfront fee
$250.00
Comparison rate*
5.06%
Ongoing fee
$350 annually
Compare
Mortgage Plus Fixed Investment Loan 1 Year (Principal and Interest) (LVR < 80%)
Advertised rate
4.49%
Fixed - 1 year
Upfront fee
$250.00
Comparison rate*
5.08%
Ongoing fee
$350 annually
Compare
Fixed Home Loan 3 Years
Advertised rate
4.29%
Fixed - 3 years
Upfront fee
$649.00
Comparison rate*
5.50%
Ongoing fee
$8 monthly
Compare
Fixed Home Loan 2 Years
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$649.00
Comparison rate*
5.59%
Ongoing fee
$8 monthly
Compare
Fixed Home Loan 1 Year
Advertised rate
4.09%
Fixed - 1 year
Upfront fee
$649.00
Comparison rate*
5.74%
Ongoing fee
$8 monthly
Compare
Fixed Investment Loan 2 Years (Principal and Interest) (LVR < 80%)
Advertised rate
4.49%
Fixed - 2 years
Upfront fee
$649.00
Comparison rate*
5.98%
Ongoing fee
$8 monthly
Compare
Fixed Investment Loan 1 Year (Principal and Interest) (LVR < 80%)
Advertised rate
4.49%
Fixed - 1 year
Upfront fee
$649.00
Comparison rate*
6.14%
Ongoing fee
$8 monthly
Compare
Pros:
  • Global player.
  • Very flexible loan products.
  • Full range of financial services available.
  • Competitive fixed rate loans available.
Cons:
  • High fees.
Citi 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, email, branch)
  • Online banking
  • Live Chat
  • Mobile banking staff

How to Apply

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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