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%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $350,000 | $4,000,000 |
| | Owner Occupier | Principal & Interest | 80%-90% | $350,000 | $4,000,000 |
| | Investor | Principal & Interest | < 80% | $350,000 | $4,000,000 |
| | Investor | Principal & Interest | 80%-90% | $350,000 | $4,000,000 |
| | Investor | Interest Only | < 80% | $350,000 | $4,000,000 |
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
If you need a basic fixed home loan with a competitive interest rate, Citi’s Fixed Rate Loan (Mortgage Plus) might be exactly what you are looking for. Not only does this loan come with a low 2.79% 3 year fixed rate (4.63% comparison rate*), you can also make extra repayments up to $1,000 a month. Just be aware that you need to have at least a 20% deposit or equity in your home to qualify for the most competitive rates. LVRs up to 90% are available, but the interest rate will be 0.25% p.a. higher for these.
The Citi Fixed Rate Loan comes with a low 2.79% 3 year fixed rate (4.63% comparison rate*) but that’s not the only thing it can brag about.
There are other loan terms available if you want to fix your rate for longer or shorter terms. The rate for 1 year and 2 year fixed terms is also 1.89% rate (4.93% comparison rate*) and 2.33% (4.73% comparison rate*) and the 5 year term comes in at 3.19% (4.46% comparison rate*).
At the end of the fixed rate period just remember that the loan will revert to a variable rate afterwards.
With this home loan, customers can borrow anywhere from $350,000 to $4,000,000. LVRs up to 90% are available, but for any deposit that is less than 20% - the interest rate will be 0.25% p.a. higher.
While there is only the option to make monthly repayments with Citi’s Fixed Rate Loan, borrowers have the flexibility to make free extra repayments up to $1,000 per month. However, there is no redraw facility on this loan so you cannot get back your additional funds once you have put them towards your loan.
The Citi Fixed Rate Loan could be a good option for someone looking for a low frills home loan option that still offers competitive fixed interest rates across a bunch of terms and who meets the 80% LVR requirements. LVRs above 80% are available, but the interest rate will be 0.25% p.a. higher.
There are a few ongoing and one-off fees to keep an eye out for on this loan - a $8 monthly fee, a $399 application fee, $250 settlement fee, and a $350 discharge.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 1.89% (4.93%*) | |
| 2.33% (4.73%*) | |
| 2.79% (4.63%*) | |
| n/a | |
| 3.19% (4.46%*) | |
| n/a | |
| n/a | |
| 5.10% p.a. |
| $399.00 | |
| $0.00 | |
| $0.00 | |
| $250.00 | |
| n/a | |
| $8.00 monthly | |
| $350.00 |
| $350,000 | |
| $4,000,000 | |
| none | |
| 80.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.14% (5.18%*) | |
| 2.58% (4.98%*) | |
| 3.04% (4.87%*) | |
| n/a | |
| 3.44% (4.70%*) | |
| n/a | |
| n/a | |
| 5.35% p.a. |
| $399.00 | |
| $0.00 | |
| $0.00 | |
| $250.00 | |
| n/a | |
| $8.00 monthly | |
| $350.00 |
| $350,000 | |
| $4,000,000 | |
| 80.00% | |
| 90.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.19% (4.96%*) | |
| 2.63% (4.79%*) | |
| 3.09% (4.71%*) | |
| n/a | |
| 3.49% (4.58%*) | |
| n/a | |
| n/a | |
| 5.10% p.a. |
| $399.00 | |
| $0.00 | |
| $0.00 | |
| $250.00 | |
| n/a | |
| $8.00 monthly | |
| $350.00 |
| $350,000 | |
| $4,000,000 | |
| none | |
| 80.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.44% (5.21%*) | |
| 2.88% (5.03%*) | |
| 3.34% (4.95%*) | |
| n/a | |
| 3.74% (4.82%*) | |
| n/a | |
| n/a | |
| 5.35% p.a. |
| $399.00 | |
| $0.00 | |
| $0.00 | |
| $250.00 | |
| n/a | |
| $8.00 monthly | |
| $350.00 |
| $350,000 | |
| $4,000,000 | |
| 80.00% | |
| 90.00% |
| 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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.39% (4.98%*) | |
| 2.83% (4.82%*) | |
| 3.29% (4.76%*) | |
| n/a | |
| 3.69% (4.66%*) | |
| n/a | |
| n/a | |
| 5.10% p.a. |
| $399.00 | |
| $0.00 | |
| $0.00 | |
| $250.00 | |
| n/a | |
| $8.00 monthly | |
| $350.00 |
| $350,000 | |
| $4,000,000 | |
| none | |
| 80.00% |
| 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.
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 reviewBecause 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.
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 reviewCitibank 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.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.59% p.a.
fixed 3 years
3.71% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.59% p.a.
fixed 3 years
3.71% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.59% p.a.
fixed 3 years
3.71% p.a.
Bank of Queensland
Fixed Rate
2.79% p.a.
fixed 3 years
3.18% p.a.
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.
