Citibank Home Loans

Rates and fees last updated on

CitibankTake out a home loan with Citibank and enjoy the benefits of a global lender.

Citibank has a large range of products not only for those trying to buy a home or investment property. They also provide a large range of everyday banking, personal loans, business accounts, insurance products and investment products, so Citibank can offer a product for most of your needs.

Add to this Citibank’s strong domestic and international presence with branches and ATMs scattered all over Australia and the globe, and it’s difficult to be in location where you can’t get access to your accounts. A simple online presence and mobile app, as well as phone banking means Citibank offers the full range of accessibility.

You can sort through various Citibank home loans below by clicking on the table headings. These allow you to sort through loans based on annual percentage rate, comparison rate, fees and maximum LVRs (the amount you can borrow as a percentage of the property value/purchase price.

Citibank also offers the Dining Program, which gives a free wine bottle at participating restaurants.

Citibank loadings

Rates quoted below are for principal and interest repayments on loans with an LVR less than or equal to 80% and loan amount ≥$500,000 unless otherwise stated in the product name. There may be additional loadings if your loan falls outside these parameters.

Compare Citibank home loans

Rates last updated June 24th, 2017
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Citibank Mortgage Plus Fixed Rate - 3 Year Fixed Rate (Owner Occupier, P&I)
A competitive fixed interest rate for three years.
4.29% 4.63% $0 $350 p.a. 80% Enquire now More info
Citibank Mortgage Plus Standard Variable Rate - $150,000 to <$500,000 LVR 80.01% to 90% (with LMI) Owner Occupier
Opt for a Professional Package with Citibank and get a discount off your interest rate.
4.41% 4.77% $0 $350 p.a. 90% Enquire now More info
Citibank Mortgage Power  - Owner Occupier
A line of credit with low monthly fee and borrow up to 90% LVR.
6.04% $399 $12 monthly ($144 p.a.) 90% Enquire now More info
4.26% 4.62% $0 $350 p.a. 80% Enquire now More info
Citibank Mortgage Plus Standard Variable Rate - $150,000 to < $500,000 LVR ≤ 80% Owner Occupier
An linked offset account to help to payoff your home loan sooner.
4.31% 4.67% $0 $350 p.a. 80% Enquire now More info
4.36% 4.72% $0 $350 p.a. 90% Enquire now More info
Citibank Fixed Rate Loan - 1 Year Fixed Rate (Owner Occupier, P&I)
A competitive fixed interest rate with an international bank.
4.09% 5.65% $399 $8 monthly ($96 p.a.) 90% Enquire now More info
Citibank Fixed Rate Loan - 2 Year Fixed Rate (Owner Occupier, P&I)
A 2 year fixed home loan with a low interest rate.
4.09% 5.51% $399 $8 monthly ($96 p.a.) 90% Enquire now More info
Citibank Fixed Rate Loan - 3 Year Fixed Rate (Owner Occupier, P&I)
One of the lowest fixed rate offers from Citibank.
4.29% 5.43% $399 $8 monthly ($96 p.a.) 90% Enquire now More info
Citibank Fixed Rate Loan - 5 Year Fixed Rate (Owner Occupier, P&I)
A competitive fixed interest rate, borrow from a mininum of $50K to $4M.
4.59% 5.35% $399 $8 monthly ($96 p.a.) 90% Enquire now More info
Citibank Standard Variable Loan - ≥ $500,000 LVR ≤ 80% (Owner Occupier, P&I)
A no-frills home loan that offers only the features you need.
5.67% 5.81% $399 $8 monthly ($96 p.a.) 80% Enquire now More info
Citibank Basic Variable Rate Home Loan - LVR <=80% (Owner Occupier, P&I)
A basic home loan with low ongoing fee and borrow up to 80% LVR
4.31% 4.36% $399 $8 monthly ($96 p.a.) 80% Enquire now More info
Citibank Mortgage Plus Fixed Rate - 1 Year Fixed Rate (Owner Occupier, P&I)
Have peace mind knowing your fixed interest rate with Citibank Mortgage Plus 1 Year Fixed Rate.
4.09% 4.60% $0 $350 p.a. 90% Enquire now More info
Citibank Mortgage Plus Fixed Rate - 2 Year Fixed Rate (Owner Occupier, P&I)
A two year fixed rate with no application fee and a high maximum LVR.
4.09% 4.59% $0 $350 p.a. 90% Enquire now More info
Citibank Mortgage Plus Fixed Rate - 5 Year Fixed Rate (Owner Occupier, P&I)
Plan your budget with Citibank Mortgage Plus 5 Year Fixed Rate.
4.59% 4.76% $0 $350 p.a. 90% Enquire now More info
Citibank Mortgage Plus Mortgage Power - $150,000 to < $500,000 LVR ≤ 80% (Owner Occupier)
A fixed rate loan with the ability to make additional repayments.
4.52% $0 $350 p.a. 80% Enquire now More info
4.62% $0 $350 p.a. 90% Enquire now More info
4.47% $0 $350 p.a. 80% Enquire now More info
4.54% $0 $350 p.a. 90% Enquire now More info

Home loans offered by Citibank

Fixed rate mortgage

Rising interest rates can be at the forefront of a home buyer's mind when choosing a mortgage. The Citibank Fixed Rate Mortgage can solve this worry for you by allowing you to fix your interest rate for a term between six months and five years. You're also allowed to make up to $1,000 in additional repayments each month which is a unique feature on a fixed interest rate home loan.

There are also other useful features offered on this loan. These include the free 60-day rate lock, which fixes your rate in at the time of application, meaning you won't have a nasty rate surprise when your loan settles. Finally an interest-only term of 10 years means this loan could suit not only a home buyer but also an investor, and a high maximum LVR of 90% gives you the ability to purchase a property with as little as a 10% deposit.

Citibank Fixed Rate Mortgage

Mortgage power

The Citibank Mortgage Power is a revolving line of credit which gives you access to funds up to an agreed credit limit. A line of credit loan is secured by the equity you hold in your property, and will see you only pay interest on amounts you withdraw. Access to your money can be done through the same means as a transaction account, meaning you can use ATMs, BPAY, cheques and online or phone banking.

The Mortgage Power option can be combined with any variable or fixed interest rate contract. This loan also carries with it a seven year interest-only option if you wish to take advantage of it, plus the loan is portable, meaning it can be transferred to another property if you wish to sell and buy again, without having to pay high exit and refinancing fees.

Mortgage plus standard variable

The Mortgage Plus package bundles your home loan with a Citibank credit card and transaction account, and gives you discounts on your interest rate and annual credit card fees for doing so. In exchange, you pay a package fee of $350 per year.

To reward borrowers with an LVR of below 80%, Citibank will grant a further discount on the loan interest rate.

You'll also get the ability to make additional repayments whenever you like with no extra fees, the option to pay interest-only for five years, and unlimited redraws.

Citibank Mortgage Plus Home Loans

Basic mortgage

The Citibank Home Loans Basic Mortgage is a flexible loan which minimises fees by not going overboard with features you don't need. It combines a variable interest rate of (comparison rate ) and no account-keeping fees to make for a simple product. You'll also have the ability to make additional repayments whenever you have the extra funds available, and then get access to these extra payments at any time through an unlimited redraw facility.

Like many Citibank loans, the Basic Mortgage offers borrowers the option to split their loan into both fixed and variable rate portions, giving them the opportunity to make savings regardless of how interest rates fluctuate. In addition, borrowers can elect to pay only the interest portion of their loan, and can enjoy a loan term of up to 30 years.

Citibank Basic Variable Rate Mortgage

What should I do if I’m interested in a product?

If you want to find out more about any of the products listed above, simply check out the product's review page to find out more.

The review page will have an in-depth look at what the loan offers, what fees you'll pay, and other important features, and is a crucial step in the comparison process.

If there is no review page you will be directed to a mortgage broker form where you can fill in your details and a broker will get back to you with further information on your selected loan.

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This page was last modified on 22 May 2017 at 1:29pm.

Bank of Queensland Fixed Rate Home Loan - 3 Year Fixed Rate Discount Rate $150k+ <80% LVR (Owner Occupier, P&I)

Special offer for new lending of $150k or more & under 80% LVR, this offer has been extended.

Bank Australia Basic Home Loan - Variable (Owner Occupier)

A competitive variable rate that allows borrowers to borrow a minimum of $100,000 with a $0 ongoing fee.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)

A fixed rate package loan with flexible repayments options. 350K NAB Rewards Points offer available. Terms and conditions apply.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤85% ($150K+ Owner Occupier)

Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

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