Privacy Citibank New Business Residential Home Loan Rates Effective from 20 May 2013 Mortgage Plus - Professional Package Standard Variable / Standard Variable Offset Loan amount > $150 000 Interest Rate1 Comparison Rate2 LVR less than 70% 5.24% p.a. 5.58% p.a. LVR between 70% - 80% 5.29% p.a. 5.63% p.a. LVR between 80.01% - 90% (with LMI)^ 5.34% p.a. 5.68% p.a. Mortgage Power - Line of credit Loan amount > $150,000 LVR less than 70% 5.39% p.a. n/a LVR between 70% - 80% 5.44% p.a. n/a LVR between 80.01% - 90% (With LMI)^ 5.49% p.a. n/a Standard Fixed rates with Mortgage Plus3 6 Month Fixed Rate 5.24% p.a. 5.63% p.a. 1 Year Fixed Rate 5.19% p.a. 5.62% p.a. 2 Year Fixed Rate 4.89% p.a. 5.55% p.a. 3 Year Fixed Rate 5.14% p.a. 5.59% p.a. 4 Year Fixed Rate 5.69% p.a. 5.77% p.a. 5 Year Fixed Rate 5.69% p.a. 5.80% p.a. Basic Variable Loan amount > $50,000 Interest Rate1 Comparison Rate4 LVR less than 70% 5.37% p.a. 5.42% p.a. LVR between 70% - 80% 5.44% p.a. 5.49% p.a. LVR between 80.01%-90% (With LMI)^ 5.50% p.a. 5.55% p.a. Standard Fixed rates 5 without Mortgage Plus Loan amount > $50,000 Interest Rate1 Comparison Rate4 6 Month Fixed Rate 5.24% p.a. 6.51% p.a. 1 Year Fixed Rate 5.19% p.a. 6.45% p.a. 2 Year Fixed Rate 4.89% p.a. 6.27% p.a. 3 Year Fixed Rate 5.14% p.a. 6.21% p.a. 4 Year Fixed Rate 5.69% p.a. 6.30% p.a. 5 Year Fixed Rate 5.69% p.a. 6.25% p.a. Reference rates5 Basic Variable 6.22% p.a. 6.30% p.a. Standard Variable 6.44% p.a. 6.58% p.a. Standard Variable Offset 6.44% p.a. 6.58% p.a. Mortgage Power - Line of credit 6.81% p.a. n/a These rates are for new, secured loans only and are subject to change at any time. Minimum loan amount is $50,000. Rates shown are 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. An additional 0.20% applies to I/O loans with an LVR >80% and assessed under the No LMI policy. ^ 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 1. The Loan to Value Ratio (LVR) is the same as the Loan to Security Ratio (LSR) in the loan documentation. Margin discounts are based on the (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. 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 for Standard Fixed Rates calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments and reverting to a Mortgage Plus - Standard Variable loan LVR between 70% - 80% on expiry of the fixed term. 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, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. 3. Standard Fixed Rate loans must be combined with Standard Variable/Offset or Mortgage Power to be eligible for Mortgage plus - Professional Package. 4.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. 5.For loans with an LVR over 80% LMI will be required. 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. © 2013 Citigroup Pty Limited ABN 88 004 325 080, Australian Credit Licence 238098. Citibank, Citigold, Citi, and Arc Design are registered service marks of Citigroup Inc. 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 © 2013 Citigroup Inc.