CITIBANK STANDARD MORTGAGE

Your loan, as flexible or
as fixed as you need.

Powered by Citi.

Your loan, as flexible or as fixed as you need. Powered by Citi.

We've set a new standard, and there's nothing standard about it.

Variable, fixed, or a combination of both, there is nothing standard about this tailored home loan. With the Citibank Standard Mortgage, we're giving you the options necessary to create a home loan that meets your requirements, giving you what you need, when you need it.

Benefits

With a Citibank Standard Mortgage you have the choice to:

  • have a variable or fixed rate1, or a combination of both
  • benefit from 100% savings offset
  • enjoy up to five years of interest only, on fixed or variable loans
  • split your loan with another home loan product
  • redraw available funds.
Features
Interest rate Variable and/or 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% LVR2
Discount rate available Yes - arrange to meet with your Citibank Mortgage Specialist now
Option of Interest-only repayments? Yes - for a maximum of 5 years
Additional repayments Variable rate - additional repayments can be made at any time without penalty
Fixed rate - break charges apply for any additional repayments greater than $1,000 per month1
Redraw Yes - for variable portion of your loan
100% Offset option Yes - available with Standard Variable portion
Split accounts Yes - up to 4 accounts with a minimum split amount of $20,000 per account
ATM and cheque book access Yes - if 100% Offset option selected
Loan combination / splits Yes - Standard Variable can be combined with Standard Fixed and / or Mortgage Power. 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, 37kb)
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

Getting started.

The Citibank Standard Mortgage is all about flexibility and choice, so why not make it your choice for a tailored home loan.

  • Contact Us

    • Find a Mortgage Specialist near you
    • New Customers, call us on 1300 361 922
      (Mon to Fri, 9am to 5pm AEST)
    • Changes to your Home loan, call us on
      1300 131 127 (Mon to Fri, 9am to 5pm AEST)
    • Contact your mortgage broker.
  • Citibank Mortgage Plus. For a great low rate.

Terms and Conditions:

All loans and securities are subject to Citigroup's credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions apply and are available on request. Fees and charges apply.

  1. Without penalty, customers with fixed loan split can make additional repayments of up $1,000 per month, or increase their regular repayments by up to $1,000 per month. 1% cash handling fee may be applicable for cash deposits over $500 at National Australia Bank.
  2. Rates quoted are subject to having Lenders Mortgage Insurance. Lenders Mortgage insurance is insurance that protects the financer in the event of default on home loan payments. It is available up to LVR 90% (inclusive of Lenders Mortgage Insurance premium). Conditions apply.

©2013 Citigroup Pty Limited, ABN 88 004 325 080, AFSL 238098, Australian Credit Licence 238098. Citibank, and Citi Arc design are service marks of Citigroup Inc.