Privacy Citibank New Business Residential Home Loan Rates Effective from 06 February 2012 Mortgage Plus - Professional Package   Loan amount $150,000 to less than $500,000 Loan amount greater than $500,000   Interest Rate1 Comparison Rate2 Interest Rate1 Comparison Rate2 Standard Variable / Standard Variable Offset LVR less than 70% 6.45% p.a. 6.77% p.a. 6.40% p.a. 6.72% p.a. LVR between 70% - 80% 6.49% p.a. 6.81% p.a. 6.45% p.a. 6.77% p.a. LVR between 80.01% - 85%* 6.62% p.a. 6.94% p.a. 6.57% p.a. 6.89% p.a. Mortgage Power - Line of credit LVR less than 70% 6.77% p.a. n/a 6.72% p.a. n/a LVR between 70% - 80% 6.82% p.a. n/a 6.77% p.a. n/a LVR between 80.01% - 85%* 6.99% p.a. n/a 6.94% p.a. n/a   Loan amount greater than $50,000   Interest Rate1 Comparison Rate2 Basic Variable LVR less than 70% 6.45% p.a. 6.50% p.a. LVR between 70% - 80% 6.52% p.a. 6.57% p.a. LVR between 80.01% - 85%* 6.66% p.a. 6.71% p.a. Standard Fixed Rates 6 Month Fixed Rate 7.25% p.a. 7.64% p.a. 1 Year Fixed Rate 5.85% p.a. 7.47% p.a. 2 Year Fixed Rate 5.80% p.a. 7.30% p.a. 3 Year Fixed Rate 5.75% p.a. 7.14% p.a. 4 Year Fixed Rate 6.15% p.a. 7.14% p.a. 5 Year Fixed Rate 6.40% p.a. 7.15% p.a. Reference rates Basic Variable 7.30% p.a. 7.35% p.a. Standard Variable 7.52% p.a. 7.65% p.a. Standard Variable Offset 7.52% p.a. 7.65% p.a. Mortgage Power - Line of credit 7.89% p.a. n/a * Additional 0.20% applies to interest only loan All rates are effective as at 06 February 2012 and are subject to change at any time. These rates are for new, secured loans only. Minimum loan amount is $50,000. For Australian residents only. Terms and Conditions apply and are available on request. Fees and charges apply. All applications are subject to Citibank's credit assessment criteria (Benchmark Rate 8.25%) 1.Margin discounts are based on the Loan to Security Ratio (LSR) as confirmed by Citibank at the time of loan approval. The LSR may change between the date of loan approval and loan settlement and Citibank reserves the right to vary the margin discount between the date of loan approval and date of the loan settlement based on a change in the LSR. The LSR used for the purpose of determining the margin discount will not change for the duration of the loan following the loan settlement. Any increase or decrease in the LSR after loan approval will not change the level of margin discount, although the Citibank reference rate is variable and subject to change. 2. Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. 3. Credit Card is subject to Citibank credit criteria and approval. Terms and Conditions apply 4. Fixed rate quotes are held 60 days from the day the application is submitted. If settlement occurs after 60 days, the prevailing fixed rate will apply citigroup.com Terms & Conditions Privacy Security Careers Contact Us Site Map Citi.com is the global source of information about and access to financial services provided by the Citigroup family of companies. Copyright © 2011 Citigroup Inc.