Rating based on 26 reviews


  • Home loans up to $10,000,000
  • Low-interest starting from 1%
  • Repayment up to 40 years

In-page navigation

Citibank homepage
Author Citibank. Screenshot of Citibank website.
[Accessed May 3, 2023]

Citi Bank - World-leading products

As part of a Citibank client, you are part of a worldwide bank, they offer the best products and banking knowledge available worldwide, and they aim to give you world-leading products and features when applying for property financing.

Basic Mortgage – this is a simple home loan with no complications, it offers a low-rate home loan and is highly flexible. You have the basic right with Citibank, such as a low variable rate and no account-keeping fees, this enables you to move from home loan to homeowner sooner than you think.

Benefits feature for a basic mortgage

Citibank Basic Mortgage allows you to be rewarded for your saving efforts with reduced rates, you can make extra repayments and not have extra charges, and you can pay weekly, monthly or every fortnight it’s entirely up to you, enjoy the zero account keeping fees they offer a redraw facility that’s available to all their clients which acts as an emergency loan when you need it the most.

If you are considering a modest, hassle-free home loan from a reliable lender that actually rewards your saving efforts, you need to look no further because Citibank Basic Mortgage can assist from first-time buyers to investors

Save on interest

Save without spending a dollar, and save on interest and time this is a home loan that all about saving.

Standard Offset Mortgage

Citibank Standard Offset allows you to use your savings to offset your home loan, meaning you’ll save on interest charges. So, with less interest to pay, you’re able to settle your home loan sooner, which will free you from your mortgage earlier.

Benefits of their loans

With the benefit features of a Citibank standard offset mortgage you have the choice to make the crucial decisions that will make a big difference to your life. 

You’ll have the freedom to make lump-sum payments, you are able to make additional repayments of up to $1 000 per payment cycle, or you could increase your regular repayment by up to $1 000 per payment cycle. You have up to five years of interest only, on a fixed or variable loan.

You could also split your home loan with another home loan product. Then there is also the redraw of available funds.

Citibank – Home loan

  • Loan Type Home loans
  • Interest Rate 15.93% p/a
  • Loan Amount up to $10,000,000
  • Repayment 25 years to 40 years

Benefits of Citibank

  • Compare home loans and features
  • Split loan options
  • Conveniently apply online

Citi banks - peace of mind home loans

Protect your peace of mind with a Citibank Fixed Rate Mortgage and feel certain with a fixed rate.

Fixed Rate - this option allows you to maintain complete control and peace of mind as your interest rate stays fixed, meaning your repayment is unchanged, taking off the stress and giving you peace of mind and the ability to budget.

The interest rate is fixed at the time of completion of the online loan application normally for a period of 60 days, this gives you plenty of time to get your application approved, and you don’t have to worry about any rate hikes in the meantime. Citi Bank also allows you to make any additional payments of up to $1 000 per month with any penalties, enabling you to move forward while your rate remains the same, 

Citibank Fixed Mortgage gives you the opportunity to enjoy       

You can keep in control of repayments with a fixed rate, from loan application for up to 60 days. They offer a wide variety of fixed terms for a period between six months up to five years.

Should you be that person that prefers peace of mind from the start of the application to the approval and beyond and you would like to stay in control of fixed rates as well as set payment the Citibank Fixed Rate Mortgage is for you.

Citibank mortgage plus

A world full of benefits, allow your biggest investment to open the door to discounts and rewards. Enjoy a range of our rewarding financial products like personal loans and car finance and make the most of what Citibank has to offer on home loans plus you get discounts and free packaging.

Citibank Mortgage Plus – This option offers a range of discounts and rewards for one low package fee. You can make the most of being a Citibank Home Loan customer, take advantage of opening the door to a world full of benefits with this package that's full of plusses

Citibank Mortgage Plus, one package fee

The home loan interest rate is discounted, it ensures certainty in your repayments with competitive fixed rates allows you a free 60-day rate lock, and there is a free online redraw relating to the standard flexible and offset loans. Bonus point! You pay no monthly account-keeping fees on your home loan products.

Plus a Citi Credit Card to enjoy

They offer a Citi credit card that has zero or reduced annual fees, a reward program inclusive of reward points that never decrease, Citibank offers courtesy global leave insurance for you and your family, and you are also able to get a Citibank Plus Transaction Account.

Citibank Plus transaction account offers:

They offer all their Aussie clients a totally free fee.  You are able to transfer to Citibank accounts across 25 countries at no charge because they offer an instant Global count, plus you are also able to do free withdrawals since there are over 3 000 Citibank ATMs across all of Australia.

man holding thumbs up

Citibank is a trusted & reliable provider of home loans

In our review, Citibank adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Citibank is a registered credit provider in Australia: ACL 238098

Customer Reviews & Testimonials

Citibank has been around for quite some time and it is clear to me why. They provide excellent service at an affordable rate.

Michela D
— Canberra —

It's not often that organisations keep their promises, let alone exceed expectations, but that is exactly what Citibank did!

Christian S
— Perth —

Citibank Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box 40, Sydney, New South Wales, 2001, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed