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Citi home loans

Citi has home loan rates starting from .

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Citi is one of the largest international banks. Citi offers a range of home loans for Australian borrowers. Check out the full table of Citi products below or read more about the lender.

Citi key facts

  • Citi is an international bank that operates in Australia.
  • Citi offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as credit cards and personal loans.

Citi home loan features

Here are the key features and details you need to know about Citi's mortgage products.

Minimum depositIt is possible to get a home loan from Citi with a deposit as low as 10%.
Offset account?You can get an offset account with several Citi loans.
Repayment optionsSeveral Citi home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Citi?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Citi you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

πŸ“„ Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

πŸ“„ Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

πŸ“„ Proof of income documents. Recent payslips can establish your income.

πŸ“„ Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

  • Citi Mortgage Plus Fixed Rate

    The Citi Mortgage Plus Fixed Rate offers a competitive fixed rate and a range of package features to add value to your home loan.

  • Citi Mortgage Plus Home Loan

    With a Citi Mortgage Plus Home Loan you can combine your loan with a credit card and other products.

  • Citi Basic Home Loan

    The Citi Basic Home Loan is a feature-packed mortgage option with a low rate to help you repay your loan sooner.

  • Citi Fixed Rate Home Loan

    Lock in your rate for years with a Citi Mortgage and enjoy the satisfaction of knowing that your repayments won't change over the fixed rate period

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