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

Your loan, as flexible or as fixed as you need.
Citibank Standard Mortgage

Citibank Standard Mortgage

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.


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 only3, on fixed or variable loans
  • split your loan with another home loan product
  • redraw available funds.
Interest rate Variable and/or fixed
Minimum loan amount $250,000
Maximum loan amount $4 Million
Loan term Maximum 30 years
How much of property value can I borrow? Up to 90% plus LMI premium capitalisation2
Discount rate available Yes - arrange to meet with your Citibank Mortgage Specialist now
Option of Interest-only repayments? Yes – for a maximum of 5 years3
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 payment cycle1
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 / split4 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

  • Renovating? About to refinance your home loan?

Important information:

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 payment cycle, or increase their regular repayments by up to $1,000 per payment cycle.
  2. Lenders Mortgage Insurance is applicable for loans with an LVR over 80%, unless the option LVR between 80.01%-85% (Without LMI) is selected. Loans with LVR between 80.01%-85% (Without LMI) are not available to non resident loans or loans where income declared for loan assessment is in a foreign currency. For all loans over LVR 80% principal and interest repayment is required.
  3. Interest only repayment option only available to loans secured by an investment property.
  4. Standard 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.
  5. Interest only repayment option are not available for non resident loans or loans where income declared for loan assessment is in a foreign currency.

© 2018 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.