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Fixed Rate Mortgage

Rising interest rates are never good news for homeowners. With Citibank's Standard Fixed Rate loan you'll have protection from rate rises, as well as the peace of mind of knowing just how much you'll pay.

You'll enjoy other benefits too, including a FREE 60 day rate lock¹, which means that once you've applied for your loan we'll guarantee the rate for 60 days, even if there is a rate rise during the period. In addition, there is no penalty for extra repayments of up to $1,000 per month - or you can increase your regular repayments by up to $1,000 per month².

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Suitable if you'd like:
	To lock in your rate for 60 days for free¹
	No penalty for extra repayments or increasing your regular repayments²
	The option to make interest-only repayments for up to 5 years
	A wide variety of fixed terms - 6 months³ to 1, 2, 3,4 or 5 years
	The option to split your loan with another Citibank residential mortgage product
	Different accounts for different purposes
	Your loan to move with you if you sell or upgrade your property.

Loan features

Interest rate	Fixed
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% LVR⁴ (inclusive of Lenders Mortgage Insurance premium)
Option of Interest-only repayments?	Yes - for a maximum of 5 years
Additional repayments	Break charges apply for any additional repayments greater than $1,000 per month²
Redraw	Not available for fixed portion of your loan
100% Offset option	No
Split accounts	Yes - up to 4 accounts with a minimum split amount of $20,000 per account
Self-Certified option	Yes - learn more
ATM and cheque book access	No
Loan combination / splits	Standard Fixed can be combined with Standard Variable and / or Mortgage Power, or our Basic Mortgage
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	$8 p/m per account

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. Fixed rates quotes are held 60 days from the day the application is submitted. If settlement occurs after the 60 days, the prevailing fixed rate will apply. 2. Without penalty, customers can make additional repayments of up to $1,000 per month or increase their repayments by up to $1,000 per month. 3. Not available on Self-Certified loans. 4. 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.






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