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Citi

Citibank Fixed Rate Mortgage

Interest rate

3.04

% p.a

Fixed - 3 years

Comparison Rate*

4.69

% p.a

Maximum LVR
90%
Real Time Rating™

1.63

/ 5
Monthly Repayment

$1,429

based on $300,000 loan amount for 25 years at 3.04%

Interest rate

3.04

% p.a

Fixed - 3 years

Comparison Rate*

4.69

% p.a

Maximum LVR
90%
Real Time Rating™

1.63

/ 5
Monthly Repayment

$1,429

based on $300,000 loan amount for 25 years at 3.04%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,429

based on $300,000 loan amount for 25 years at 3.04%

Citi home loans are available through brokers who can help find the right loan and manage your application at no charge.

Collins Mayaki

4.9
177 Reviews

Get expert advice from a home loans specialist.

I pride myself on building long term relationships with my clients. I’ve been in the industry for over 14 solid years with a combined 30 years experience within our firm (Wealthy You). this gives clients that extra peace of mind knowing we’ve been around for a long time. We’ve worked on hundreds of applications. There isn’t a scenario we haven’t come across. We hold your hands from start to finish. As far as our company Wealthy You goes, with 30 years finance experience, we’ve got team members specialised In multiple areas within finance, for example: SMSF Loan, Construction Loans, Reverse Mortgage, Development Loans, Business Loans, Car Loan, Home Loan/Refinance/Purchasing And much much more. We go through every single file to make sure it will get approved before submission because we’ve got brokers within the team that worked with the banks for many years as people that APPROVED and DECLINED files.

NSW2000

CRN: 456296

Joel Flanagan

5.0
11 Reviews

Get expert advice from a home loans specialist.

I'm a loan specialist providing an outstanding professional service for each one of my clients. More than 15 years of experience and seven years as Director of Oak Financial Group, have given me the absolute knowledge about residential & commercial mortgage brokering to help, advise and guide my clients through their loan journey in the most effective way, always aiming to get the most favourable results. I'm available seven days a week, willing to answer my client's enquiries in the most transparent and comprehensive way.

NSW2020

ACL: 389328

Quick home loan review

For Fixed Home Loan 3 Years (LVR 80%-90%)

These are the benefits of this home loan.

  • Lower than average interest rate
  • Parents can sign as guarantor
  • Split account option

These are the drawbacks of this home loan.

  • Limited extra repayments
  • No redraw facility
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays

Home loan overview

For Fixed Home Loan 3 Years (LVR 80%-90%)

TMD

Details

Maximum LVR

90%

Total Repayments

Next LVR

Interest rate type

Fixed - 3 years

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Monthly

Features

Extra repayments

Yes - limited to $12000

Redraw facility

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

649

Application fee

399

Valuation fee

$0

Settlement fee

250

Other upfront fee

0

Ongoing fee

$8 monthly

Discharge fee

350

Application method

Online

Phone

In branch

Target Market Determination

Visit Citi to view Target Market Determination.

Other Restrictions

LMI required for loans with LVR > 80%. For loans with LVR between 80.01%-85% (Without LMI), add 0.25% p.a.

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Citi is available through brokers

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $350k to $4,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 90 percent, which means it requires a minimum deposit of 10 percent

What's the maximum length for this loan?

Citi allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

Citi allows you to make repayments to this loan option through one of the following repayment schedules: monthly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $649 worth of upfront fees.

Does this loan come with a redraw facility?

No, this loan doesn't come with a redraw facility.

Where can you apply for this loan?

Citi makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this Citi loan is available through a broker. Find a broker to help you with your needs.