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    • Citibank home loan reviews

    How are Citibank home loans rated by the Mozo community?

    40%

    Overall Mozo Community rating: 4.0 out of 10

    Citibank home loans

    Overall rating: 4.0 (27 reviews)

    Last reviewed: 01 September 2011


    11. Overall customer rating
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    Reviews: 82

    Thumbs up: 52 | Thumbs down: 30

    Featured home loan from Citibank

    • Basic Variable

    • variable rate

      6.66%

    • comparison rate

      6.71%

    Other home loans

    • Variable Rate Loan ($100k to $250k) (Professional Package)

    • variable rate

      6.82%

    • comparison rate

      7.15%
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    • Great Rate Home Loan

    • variable rate

      6.44%

    • comparison rate

      6.49%
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    Recent Citibank home loan reviews

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        11. Overall customer rating
        12. (Reviewed 10 days ago)

      This is the most inconvienent bank i have ever dealt with. the nearest actual bank is at least 70ks away and the customer service is so frustrating.       Full review 

      This is the most inconvienent bank i have ever dealt with. the nearest actual bank is at least 70ks away and the customer service is so frustrating.


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      Citibank home loan reviewed by Colleen from Victoria

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        11. Overall customer rating
        12. (Reviewed 25 days ago)

      We have an interest only loan with Citibank and are paying 8.75% interest. We have tried to negotiate a cheaper rate with them but they have made it clear that they won't budge. An interest only loan is a positive for anyone who can't afford a reg...       Full review 

      We have an interest only loan with Citibank and are paying 8.75% interest. We have tried to negotiate a cheaper rate with them but they have made it clear that they won't budge. An interest only loan is a positive for anyone who can't afford a regular loan however, you will never pay the house off. With this loan you become trapped, like us, and can't get out of it.


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      Citibank home loan reviewed by Debbie from New South Wales

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        11. Overall customer rating
        12. (Reviewed 25 days ago)

      Citibank has no physical branches outside the Melbourne CBD. Their customer service is very difficult to find and in our experience once you have the right department the wait is always longer than 7 minutes and often more than 10. However, Ci...       Full review 

      Citibank has no physical branches outside the Melbourne CBD. Their customer service is very difficult to find and in our experience once you have the right department the wait is always longer than 7 minutes and often more than 10. However, Citibank has taught us a lot. We are about to change banks and will be looking very closely at post honeymoon interest rates, escape fees, additional costs and charges (and what they mean to your real interest rate) and discounts on fees for linked accounts and insurances, but we will be looking most closely at their customer service record. We are fortunate to have easy access to internet forums and ombudsman's reports as well as brokers and smaller providers that are trying to get and keep our business. We are only one, small customer but many many other small customers are staring to think the same way and the bigger banks would do well to remember this. Earn our loyalty and you will have it.


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      Citibank home loan reviewed by Jett from Victoria

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        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      The account keeping fees are a negative. Also, there interest rates are high.       Full review 

      The account keeping fees are a negative. Also, there interest rates are high.


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      Citibank home loan reviewed by Louis from Victoria

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        11. Overall customer rating
        12. (Reviewed 3 months ago)

      Citibank wanted our business and once they got it, we were treated like second class citizens, specially when we wanted to talk to them on the phone. There personel didnt talk much english and to be honest, after the conversation with them, we ...       Full review 

      Citibank wanted our business and once they got it, we were treated like second class citizens, specially when we wanted to talk to them on the phone. There personel didnt talk much english and to be honest, after the conversation with them, we left more confiused then ever. We also had a visa credit card with them, we couldnt wait to get out from them, Thank God Aussie home loans came to our rescue and got us out of citibank, I will never ever recommend citibank to anyone. But I am glad I have nothing to do with them again.


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      Citibank home loan reviewed by a Mozo reviewer from Queensland

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        11. Overall customer rating
        12. (Reviewed 3 months ago)

      This bank is strong in advertising there products, yet they have no local branches to go to. Try calling them, if you get through put the phone down, make a cuppa then return to lounge , put your feet up & enjoy your cuppa. By this time you should...       Full review 

      This bank is strong in advertising there products, yet they have no local branches to go to. Try calling them, if you get through put the phone down, make a cuppa then return to lounge , put your feet up & enjoy your cuppa. By this time you should be just about ready to be put through to someone. Make sure you have plenty of credit on your phone


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      Citibank home loan reviewed by Mick from Queensland

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        11. Overall customer rating
        12. (Reviewed 3 months ago)

      Their product ws so negative in my opinion. They did not explain their product very clearly and were very rude in their help (not) in solving problems which arose. I would not recommend this company at all and was clearly very happy when we finall...       Full review 

      Their product ws so negative in my opinion. They did not explain their product very clearly and were very rude in their help (not) in solving problems which arose. I would not recommend this company at all and was clearly very happy when we finally got out of their clutches.


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      Citibank home loan reviewed by Lorraine from Queensland

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        11. Overall customer rating
        12. (Reviewed 4 months ago)

      I am rating them on this product I had during the eighties...they had us put money into a local ANZ account....then charged us extra interest (they moved it to an actual Citibank account at their convenience) Now called shitibank       Full review 

      I am rating them on this product I had during the eighties...they had us put money into a local ANZ account....then charged us extra interest (they moved it to an actual Citibank account at their convenience) Now called shitibank


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      Citibank home loan reviewed by Ian from Queensland

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        11. Overall customer rating
        12. (Reviewed 4 months ago)

      Once you sign up like all of them you never here from them again       Full review 

      Once you sign up like all of them you never here from them again


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      Citibank home loan reviewed by Jon from New South Wales

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        11. Overall customer rating
        12. (Reviewed 5 months ago)

      While the bank has great internet service, they are physically not present, with only a few branches mainly in the big cities.There is nothing like face to face banking, and I do not have that option.       Full review 

      While the bank has great internet service, they are physically not present, with only a few branches mainly in the big cities.There is nothing like face to face banking, and I do not have that option.


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      Citibank home loan reviewed by Fiona from Queensland

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        11. Overall customer rating
        12. (Reviewed 5 months ago)

      Customer service with this bank is second to none. Thats why I've been banking with them for the last 15 years.. Good customer service is hard to find these days - well done to Citibank....       Full review 

      Customer service with this bank is second to none. Thats why I've been banking with them for the last 15 years.. Good customer service is hard to find these days - well done to Citibank....


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      Citibank home loan reviewed by Chris from Victoria

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        11. Overall customer rating
        12. (Reviewed 5 months ago)

      Great product though difficult when you cannot walk into a branch.       Full review 

      Great product though difficult when you cannot walk into a branch.


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      Citibank home loan reviewed by Amanda from Victoria

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        11. Overall customer rating
        12. (Reviewed 7 months ago)

      Had a homeloan for a few years with this company and the service was terrible! Customer service is outsourced to india, simple requests like change of postal address took 4 seperate phone calla and multiple faxes and emails. the online portal is o...       Full review 

      Had a homeloan for a few years with this company and the service was terrible! Customer service is outsourced to india, simple requests like change of postal address took 4 seperate phone calla and multiple faxes and emails. the online portal is of poor standards and the only way to pay is by direct debit unless making additional payments via Bpay. Terrible service overall.


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      Citibank home loan reviewed by Victoria from New South Wales

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        11. Overall customer rating
        12. (Reviewed 9 months ago)

      The answers / responses given are inconsistent. Following a fight to get a rate review, I have had three letters dated one day after each other advising of my new rate...each one different Must make sure everything is in writing - no matter how t...       Full review 

      The answers / responses given are inconsistent. Following a fight to get a rate review, I have had three letters dated one day after each other advising of my new rate...each one different Must make sure everything is in writing - no matter how trivial you might see it.


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      Citibank home loan reviewed by Alexander from New South Wales

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        11. Overall customer rating
        12. (Reviewed 9 months ago)

      Extremli frendly , reliable , trustworty,       Full review 

      Extremli frendly , reliable , trustworty,


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      Citibank home loan reviewed by Sasa from New South Wales

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        11. Overall customer rating
        12. (Reviewed 10 months ago)

      Pro's felxible product, big brand recognition, good rate for the market, very good internet and telephone support Con's Limited physical presence       Full review 

      Pro's felxible product, big brand recognition, good rate for the market, very good internet and telephone support Con's Limited physical presence


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      Citibank home loan reviewed by Paul from Queensland

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        11. Overall customer rating
        12. (Reviewed 10 months ago)

      no branches in melbourne takers a long time for internet transactions to go through between 2 differeny melbourne accounts       Full review 

      no branches in melbourne takers a long time for internet transactions to go through between 2 differeny melbourne accounts


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      Citibank home loan reviewed by Mary from Victoria

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        11. Overall customer rating
        12. (Reviewed about 1 year ago)

      One stop shop. All needs rolled into one.       Full review 

      One stop shop. All needs rolled into one.


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      Citibank home loan reviewed by El from New South Wales

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        11. Overall customer rating
        12. (Reviewed about 1 year ago)

      There is no branch in Darwin and when you call thier help number you are put through to a call centre overseas with staff who have less than necessary english as second language skills.       Full review 

      There is no branch in Darwin and when you call thier help number you are put through to a call centre overseas with staff who have less than necessary english as second language skills.


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      Citibank home loan reviewed by Teri from Northern Territory

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      I could have been paying less interest if someone had been looking after my needs by asking the right questions. they have constantly tried to add on mortgage protection or introducingo other products i had little use for.       Full review 

      I could have been paying less interest if someone had been looking after my needs by asking the right questions. they have constantly tried to add on mortgage protection or introducingo other products i had little use for.


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      Citibank home loan reviewed by Keith from New South Wales

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      No flexibility and lack of customer service.       Full review 

      No flexibility and lack of customer service.


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      Citibank home loan reviewed by Kate from Victoria

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      We dislike the lack of Physical Contact with staff of Citibank - there are no branches or ATM's and internet and phone banking is very clinical and impersonal. Also, the revolving line of credit is not really right for us as a home loan repayment...       Full review 

      We dislike the lack of Physical Contact with staff of Citibank - there are no branches or ATM's and internet and phone banking is very clinical and impersonal. Also, the revolving line of credit is not really right for us as a home loan repayment plan. Their phone service is generally of a high standard and they do answer most issues/queries promptly.


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      Citibank home loan reviewed by a Mozo reviewer from Queensland

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      I find it difficult to talk to the support staff as they have an accent I do not understand them at times. Also they seem to have only limited access to the information I want before they try to refer me on to someone else.       Full review 

      I find it difficult to talk to the support staff as they have an accent I do not understand them at times. Also they seem to have only limited access to the information I want before they try to refer me on to someone else.


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      Citibank home loan reviewed by Peter from New South Wales

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      I have a revolving mortgage with citibank which once set up runs itself the main problem is the lack of branches and ATM's, phone help is also sometimes a problem as language seems to be a difficulty       Full review 

      I have a revolving mortgage with citibank which once set up runs itself the main problem is the lack of branches and ATM's, phone help is also sometimes a problem as language seems to be a difficulty


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      Citibank home loan reviewed by Keith from Victoria

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      I do not like talking to people who do not understand english.       Full review 

      I do not like talking to people who do not understand english.


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      Citibank home loan reviewed by John from Victoria

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      Fees are high, no branches, interest rates are high, not flexible.       Full review 

      Fees are high, no branches, interest rates are high, not flexible.


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      Citibank home loan reviewed by Simone from Victoria

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      I have used this bank for a long time for my home loan only. The reason being is that at the time of joining this account other banks did not offer this type of account. I have not opened any other accounts with them.       Full review 

      I have used this bank for a long time for my home loan only. The reason being is that at the time of joining this account other banks did not offer this type of account. I have not opened any other accounts with them.


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      Citibank home loan reviewed by Colin from Victoria

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      Very difficult to understand.       Full review 

      Very difficult to understand.


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      Citibank home loan reviewed by Vianney from Victoria

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      Their lack of branches can sometimes make banking inconvenient.       Full review 

      Their lack of branches can sometimes make banking inconvenient.


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      Citibank home loan reviewed by Simon from Victoria

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        11. Overall customer rating
        12. (Reviewed over 1 year ago)

      Citibank are so hard to deal with - they use Indian call centres who don't understand me and I don't understand them!       Full review 

      Citibank are so hard to deal with - they use Indian call centres who don't understand me and I don't understand them!


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      Citibank home loan reviewed by Gaynor from South Australia

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