	Online service desk

	Useful forms & links

	Rates & fees

	About Citi

	Site map

	Contact us

Mortgages

	Residential Mortgages

	Calculators & Tools

	Tips & Guides

	Frequently Asked Questions

	Existing Customers

Basic Mortgage

With a low variable rate and the opportunity to make additional repayments at no additional cost to you, this option could be a smart way to pay off your mortgage sooner.

	Get an instant pre-approval now
	Find the right mortgage
	Compare all our mortgages

Suitable if you'd like:
	A low variable rate
	Zero account-keeping fees
	Redraw of available funds
	Flexible repayment options - weekly, fortnightly or monthly
	The freedom to make extra repayments without penalty
	Up to four split accounts available
	Five years interest-only option available at the same low rate
	The choice to split your loan with a Standard Fixed Rate loan¹.

Loan features

Interest rate	Variable
Minimum loan amount	$50,000
Maximum loan amount	$4 Million
Loan term Maximum	30 years
How much of property value can I borrow?	Up to 90% LVR² (inclusive of Lenders Mortgage Insurance premium)
Option of Interest-only repayments	Yes - for a maximum of 5 years
Additional repayments	Yes - at any time without penalty
Redraw	Yes - unlimited
Split accounts	Yes - up to 4 accounts with a minimum split amount of $20,000 per account
ATM and cheque book access	No
Loan combination / splits	Yes - can be combined with a Standard Fixed Rate Loan
Can I increase my loan amount?	Yes - learn more
Fees and charges	Learn more (Adobe PDF, 50kb)
Loan Portability	Yes - you can transfer your loan to a different property
Loan Protection Insurance	Yes - learn more
Application Fee	$399
Annual Package Fee	$0
Settlement Fee	$250
Account Keeping Fees	$0

Interest rates

• View our glossary of terms

Contact Us
• Email us
• Visit a branch
• Existing customers - Call us on 13 24 84 (available 24 hours a day, 7 days a week)
• New customers - Call us on 1300 361 922 (Mon to Fri, 9am to 5pm AEST)

All loans and securities subject to Citibank’s credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions available on request. Fees and charges apply. 1. Account keeping and other fees may apply. 2. Ratios quoted are subject to your having Lenders Mortgage Insurance. Lenders Mortgage Insurance is insurance that protects the financier in the event of default on mortgage payments. It is available up to 90% LVR (inclusive of Lender Mortgage Insurance premium). Conditions apply. © 2009 Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098. Citibank, Citigold, Citi never sleeps, and Arc Design are registered service marks of Citigroup Inc.

citigroup.com

Terms & Conditions

Privacy

Security

Careers

Site Map

Citi.com is the global source of information about and access to financial services provided by the Citigroup family of companies.