Citi Fixed Rate Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan between $350,000 and $4,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $350,000 and $4,000,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $350,000 and $4,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $350,000 and $4,000,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $350,000 and $4,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $350,000 and $4,000,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $350,000 $4,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $350,000 $4,000,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $350,000 $4,000,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $350,000 $4,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $350,000 $4,000,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $350,000 $4,000,000

2.89% p.a.

4.83% p.a.

$8.00 monthly

Citi Fixed Rate Loan

2.89% p.a.

4.83% p.a.

$8.00 monthly

3.14% p.a.

5.08% p.a.

$8.00 monthly

Citi Fixed Rate Loan

3.14% p.a.

5.08% p.a.

$8.00 monthly

3.09% p.a.

4.88% p.a.

$8.00 monthly

Citi Fixed Rate Loan

3.09% p.a.

4.88% p.a.

$8.00 monthly

3.34% p.a.

5.13% p.a.

$8.00 monthly

Citi Fixed Rate Loan

3.34% p.a.

5.13% p.a.

$8.00 monthly

3.19% p.a.

4.91% p.a.

$8.00 monthly

Citi Fixed Rate Loan

3.19% p.a.

4.91% p.a.

$8.00 monthly

3.44% p.a.

5.15% p.a.

$8.00 monthly

Citi Fixed Rate Loan

3.44% p.a.

5.15% p.a.

$8.00 monthly

Details

Rates and fees information correct as at 28 February 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.89% (5.25%*)

  • 2.89% (5.03%*)

  • 2.89% (4.83%*)

  • n/a

  • 2.99% (4.52%*)

  • n/a

  • n/a

  • 5.35% p.a.

Fees
  • $399.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $1,000 monthly

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 February 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.14% (5.50%*)

  • 3.14% (5.28%*)

  • 3.14% (5.08%*)

  • n/a

  • 3.24% (4.76%*)

  • n/a

  • n/a

  • 5.60% p.a.

Fees
  • $399.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • 80.00%

  • 90.00%

Features
  • Monthly

  • yes - free up to $1,000 monthly

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 February 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.09% (5.27%*)

  • 3.09% (5.07%*)

  • 3.09% (4.88%*)

  • n/a

  • 3.19% (4.60%*)

  • n/a

  • n/a

  • 5.35% p.a.

Fees
  • $399.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $1,000 monthly

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 February 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.34% (5.52%*)

  • 3.34% (5.31%*)

  • 3.34% (5.13%*)

  • n/a

  • 3.44% (4.84%*)

  • n/a

  • n/a

  • 5.60% p.a.

Fees
  • $399.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • 80.00%

  • 90.00%

Features
  • Monthly

  • yes - free up to $1,000 monthly

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 February 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.19% (5.28%*)

  • 3.19% (5.09%*)

  • 3.19% (4.91%*)

  • n/a

  • 3.29% (4.64%*)

  • n/a

  • n/a

  • 5.35% p.a.

Fees
  • $399.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • none

  • 80.00%

Features
  • Monthly

  • yes - free up to $1,000 monthly

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 28 February 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.44% (5.53%*)

  • 3.44% (5.33%*)

  • 3.44% (5.15%*)

  • n/a

  • 3.54% (4.88%*)

  • n/a

  • n/a

  • 5.60% p.a.

Fees
  • $399.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $8.00 monthly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • 80.00%

  • 90.00%

Features
  • Monthly

  • yes - free up to $1,000 monthly

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Citi home loans rated by the Mozo community?

Overall customer rating
5.0/10

Based on 165 Citi home loan reviews

Price
5.0/10
Features
5.5/10
Customer service
4.7/10
Convenience
3.9/10
Trust
5.0/10

Latest reviews of Citi Fixed Rate Loan

  • Overall 2/10
    Profit is their motto

    Because I wanted fixed rates I could only pay monthly and I couldn't change to fortnightly payments. I wish I was with someone else who was more competitive and not just after profit.

    Read full review

    Because I wanted fixed rates I could only pay monthly and I couldn't change to fortnightly payments. I wish I was with someone else who was more competitive and not just after profit.

    Price
    2/10
    Features
    1/10
    Customer service
    4/10
    Convenience
    1/10
    Trust
    3/10
    Less
    Anne, Victoria reviewed about 5 years ago
  • Overall 0/10
    Very poor customer service

    Citibank do not have branches where you can go for advice. All contact is via the phone and in most cases I believe it is an offshore call centre.

    Read full review

    Citibank do not have branches where you can go for advice. All contact is via the phone and in most cases I believe it is an offshore call centre.

    Price
    1/10
    Features
    1/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10
    Less
    John, New South Wales reviewed almost 8 years ago
Citi

About Citi

Citi is the consumer banking arm of Citigroup, one of the world's biggest financial institutions. Citi was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.

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*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.