Citbank Home Loans - Mortgage Lender
Citibank is part one of the world's largest financial services organisations, Citigroup. Citibank commenced consumer operations in Australia in 1985 when it was the first foreign bank to be granted a banking licence.
Loan Products
| Type of Loan |
Home Loan Information |
| > Basic Mortgage |
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. |
| > Standard Mortgage |
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. |
| > Mortgage Power |
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 the power to access the equity in your home anytime, at variable mortgage interest rates, you can act on investment opportunities as they happen. Mortgage power can be combined with any Standard Variable and / or Standard Fixed rate loan. |
| > Mortgage Plus |
It's the complete financial package: Your choice of any of our mortgage products, plus a Citibank Gold Visa Card1 packed with benefits - all for one annual fee. |
| > Mortgage Self-Certified |
There's no need to worry about hunting for documents or providing full tax returns. If you're self-employed, and you earn enough to make the repayments on your loan, simply complete a Self-Certified form, and submit it with your mortgage application1. If you're a residential investor, you'll only need to declare the amount of the lease - not the lease itself. |
| > Standard Off set mortgage |
Use your daily savings to reduce your interest. Every dollar in your savings account is offset on a daily basis against the balance of your mortgage - so you pay less interest on your loan, and therefore pay it off much sooner. And to make the most of your offset facility, you can opt to have your income directly deposited into your savings account - and have 24/7 access to your money. And as you won't earn any interest on your savings account, there's no income tax to pay. |
Branches and offices
Citibank branches are located in Sydney, Melbourne, Brisbane and Perth.
Citibank Home Loans Points of difference
Citibank support the community through:
The Citigroup Foundation supporting corporate community partnerships focusing on financial education, community development and access to education.
Workplace Giving Program supporting 14 charities through regular payroll donations and fund raising initiatives.
Volunteer Program offering time and expertise to assist community organisatons.
Good mortgage brokers understand a broad range of lender preferences and that is why it is really useful to talk to a local mortgage broker about your specific situation. They will use their knowledge and specialized software to assist you in making the most informed decision. Simply put, a mortgage broker evaluates your situation against the lenders on their panel for the best deal. More information on how to pick a home loan or how to assess the right business loan is available right here on the X Inc. site.
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