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  Basic Mortgage Standard Variable Mortgage Standard Offset Mortgage Standard Fixed Mortgage Mortgage Power
 
Start applying now in two easy steps
Start applying now in two easy steps
Start applying now in two easy steps
Start applying now in two easy steps
Start applying now in two easy steps
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 home loan 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 home loan, the Offset home loan is for you. With the Standard Fixed home loan 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
 
View interest rates
View interest rates
View interest rates
View interest rates
View interest rates
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) Up to 85% Up to 85% Up to 85% Up to 85% Up to 85%
Mortgage Plus package X
Split accounts
Product combinations 3
Redraw facility X
Line increases (top up) X
Application fee $399 $399 $399 $399 $399
Annual package fee4 - $350 $350 $350 $350
Settlement fee $250 $250 $250 $250 $250
Account keeping fee5 $0 $8 p/m per account $8 p/m per account $8 p/m per account $12 p/m per account
 
Find the right home loan
Find the right home loan
Find the right home loan
Find the right home loan
Find the right home loan
Make an appointment with a Mortgage Specialist
 
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. Basic Mortgage may be combined with Standard Fixed Rate loans only.
4. 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.
5. Per account - not applicable to the Mortgage Plus option.
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