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  Basic Mortgage Standard Variable Mortgage Standard Offset Mortgage Standard Fixed Mortgage Mortgage Power
 
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Overview With a low variable rate and the opportunity to make additional repayments at no additional cost to you, this option could be a smart way to pay off your mortgage sooner. A variable rate loan with the option to make extra repayments at any time without penalty. Use your daily savings to reduce your interest. If you like to use your savings to reduce the interest you pay on your mortgage, the Offset mortgage is for you. With the Standard Fixed mortgage you'll have protection from rate rises, as well as the peace of mind of knowing just how much you'll pay. Firstly, it's a revolving line of credit with a pre-agreed credit limit secured by your property - so you can draw down and pay back the up-to-the-limit amount, anytime you need it. And secondly, it's a day-to-day transaction account that lets you access your funds whenever you need to.
Minimum Loan Size $50,000 $50,000 $50,000 $50,000 $50,000
Maximum Loan Size $4 million $4 million $4 million $4 million $4 million1
Variable interest rate X
Fixed interest rate X X X X
100% Offset account X X X X
 
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Interest-only repayments Five years Five years Five years Five years Seven years
Repayment frequency Weekly / Fortnightly / Monthly Weekly / Fortnightly / Monthly Weekly / Fortnightly / Monthly Monthly Daily / Weekly / Fortnightly / Monthly
Direct debit Mandatory Mandatory Mandatory Mandatory Optional
Additional repayments 2
Loan to Value Ratio (LVR)3 Up to 90% Up to 90% Up to 90% Up to 90% Up to 90%
Mortgage Plus package X
Self-Certified option X X
Split accounts
Product combinations 4
Redraw facility X
Line increases (top up) X
Application fee $399 $399 $399 $399 $399
Annual package fee5 - $350 $350 $350 $350
Settlement fee $250 $250 $250 $250 $250
Account keeping fee6 $0 $8 p/m per account $8 p/m per account $8 p/m per account $12 p/m per account
 
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All loans and securities subject to Citibank's credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions available upon request. Fees and charges apply.
1. With maximum $1,000,000 on the Mortgage Power portion of the loan per facility.
2. For additional repayment of greater than $1,000 per month, fixed rate break charges will apply.
3. 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 Lenders Mortgage Insurance premium). Conditions apply.
4. Basic Mortgage may be combined with Standard Fixed Rate loans only.
5. The Annual Package fee is charged annually in advance and only applies to the Mortgage Plus option. Application fee is $NIL for a Mortgage Plus eligible product.
6. Per account - not applicable to the Mortgage Plus option.
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