Tick all the features that interest you, and we'll show you the best loans we have for you. Click on the help button for an explanation of how a feature may be useful for you when choosing a home loan:
* By selecting both Fixed and Variable interest options, you are selecting the Split Loan option that combines a fixed and variable rate portion.
1 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.
You selected your needs as:
- Interest only
- Multiple Accounts
- Extra repayments
- Low Deposit
- Access to equity
- Generous transacting
Step 2. Best loans for your needs
So here are the best loans we have for you. You can cross-compare two or more loans by ticking the boxes and clicking 'Compare best loans'. Or you can move straight to Step 3 by ticking all or any of the loans that interest you and clicking 'Next'.
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.
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.
Because there's no 'interest rate crystal ball', our Standard Mortgage offers you the choice of a fixed rate, a variable rate or a combination of the two. You can fix any portion of your loan, at any time for up to 5 years. And at the end of this time, you can opt to negotiate another fixed rate, or automatically revert to the standard variable rate, at no extra cost.
Congratulations on taking the first step towards building your future wealth with Citibank. Based on your selections, the most appropriate loan(s) we have for you are:
You're now in an excellent position to discuss a more personalised solution by talking with one of our mortgage specialists - as well as the opportunity to negotiate the best rates and terms! Simply click below to arrange for an instant pre-approval or alternatively you can complete our contact us form to arrange for a mortgage specialist to contact you at a convenient time.
It takes less than five minutes to start applying
What happens next?
Once you have completed the pre-approval and submitted your contact details through the short form provided one of our mortgage specialists will contact you within 24 hours to discuss your loan options, along with ways to structure your loan to save money. Then, if you like, they'll send you a more detailed loan brochure together with an application form - or they can complete this for you over the phone. And relax; this entire process - including your application - carries no obligation until you agree you'd like to proceed with one of our loans.
Please note, this is general advice only. For a detailed review of your needs, contact us on 1300 361 922 (Mon to Fri, 9am to 5pm AEST). The information shown in this loan selector is indicative and acts as a guide only. It does not constitute a quote nor an approval for the loan.
All loans and securities subject to Citibank's credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions available on request. Fees and charges apply.