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Current Promotions

	Basic Home Loan
	Mortgage Plus package

The Citibank Mortgage Plus is a professional package that lets you save on interest with an offset account, and gives you access to funds with a fee free Gold credit card

	Save on fees by consolidating your mortgage and credit card²
	Receive a massive 1.00% p.a. off your Standard Variable Rate¹, exclusive to CAW employees.
	Your first year package fee waived - an upfront saving of $350
	Your monthly mortgage account-keeping fees waived
	Your setup fees waived for additional loan accounts on your mortgage
	The choice to split your mortgage into separate accounts, separating your personal and business investments³
	The choice to switch to another eligible Mortgage Plus mortgage product or interest rate, at any time, free of charge⁴ - a saving of $300 per change
	Free loan combinations / splits⁵.

Our Home Loan Specialists make it easier

You'll also receive the personal attention of a dedicated Home Loan Specialist, who will guide you through the whole process - from structuring the loan, handling the loan approval process through to settlement. They will be with you every step of the way.

If you're buying your first home they can even organise the First Home Owners Grant on your behalf.

To find out more, simply contact a Citibank Home Loan Specialist

Place	Name of Specialist	Tel No.
NSW	Nicole Laupretre	(02) 8225 3670
	Paul Geelan	(02) 8225 3261
	Isabella Zhou	(02) 8225 3716
VIC and SA	Tanya Ewinger	(03) 8643 9148
QLD and NT	Stephan Yang	(07) 3100 5934
WA	Craig Newman	(08) 9426 6541

Our great new offer is only available to Citibank customers and only through a Citibank Home Loan Specialist.

Additional benefits

Of course, the other big plus is your Citibank Gold Visa Card². As part of the package, your annual Credit Card and additional cardholder fees are waived, saving you an extra $1 1 9 every year⁶. Plus you receive complimentary membership to our popular Rewards Programme⁷ - earning you 1 Reward point for every $1 spent on purchases, including the option to redeem your Rewards points directly for flights, accommodation and car hire. And unlike some other rewards programs, your points will never expire.

Add to this complimentary International Travel Insurance⁸ for the whole family and a range of exclusive upgrades, benefits and discounts for hotels, services, restaurants and shops - both here and overseas - and you have the whole package.

Examples of Mortgage Plus combinations in action

*	Combine a Standard Variable Mortgage with Mortgage Power, and you'll enjoy discounted variable rates, with the flexibility of a line of credit available when needed.
*	Combine a Standard Fixed Mortgage with Mortgage Power, and you can opt for an Interest Only option to lower your repayments, while enjoying discounted variable rates and having funds available for other investments or personal uses⁹.

For full details of our Mortgage Plus loan, or to begin negotiations, we invite you to speak with one of our specialists right now.

Interest rates

Important Information
All loans subject to Citibank's credit criteria and applications must meet approval guidelines on individual products to qualify for relevant package discounts. Establishment and, where applicable, legal fees apply. Terms and conditions apply and are available upon request. Fees and charges apply. Personal borrowers only (Australian residents). The Citibank Mortgage Plus package is not offered with Basic Variable loans, Self Certified loans or stand-alone Standard Fixed Rate loans.

1. Loan size facility must be $300,000 or greater to be eligible for the 1.00% p.a. discount.
2. Credit card is subject to Citibank's credit card criteria and approval.
3. Maximum of 4 loan accounts within the facility.
4. Applies as part of the Mortgage Plus package only. Fee applies if no longer part of the Mortgage Plus package. Early repayment fees and deferred establishment fees may still apply.
5. Eligibility criteria apply to loan combinations.
6. Applies as part of the Mortgage Plus package only. Fee applies if no longer part of the Mortgage Plus package.
7. Rewards are subject to Citibank Rewards Terms and Conditions.
8. International Travel Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 233507 and Citigroup Pty Limited, and is subject to Terms and Conditions and exclusions available at www.citibank.com.au.  
9. Standard Fixed available only as part of a combination with another qualifying product. No discount applies to the fixed interest rate.

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