Citi Standard Variable (Mortgage Plus)

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

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 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 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 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 90%

Choose the version of this loan that suits you best

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $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 (Interest Only)

    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%-90%

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

3.39% p.a.

3.78% p.a.

$350.00 yearly

Citi Standard Variable (Mortgage Plus)

3.39% p.a.

3.78% p.a.

$350.00 yearly

3.19% p.a.

3.58% p.a.

$350.00 yearly

Citi Standard Variable (Mortgage Plus)

3.19% p.a.

3.58% p.a.

$350.00 yearly

3.44% p.a.

3.82% p.a.

$350.00 yearly

Citi Standard Variable (Mortgage Plus)

3.44% p.a.

3.82% p.a.

$350.00 yearly

3.59% p.a.

3.97% p.a.

$350.00 yearly

Citi Standard Variable (Mortgage Plus)

3.59% p.a.

3.97% p.a.

$350.00 yearly

3.64% p.a.

4.02% p.a.

$350.00 yearly

Citi Standard Variable (Mortgage Plus)

3.64% p.a.

4.02% p.a.

$350.00 yearly

3.84% p.a.

4.22% p.a.

$350.00 yearly

Citi Standard Variable (Mortgage Plus)

3.84% p.a.

4.22% p.a.

$350.00 yearly

Details

Rates and fees information correct as at 16 December 2019. 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
  • 3.39% p.a.

  • n/a

  • n/a

  • n/a

  • 3.78% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $350.00 yearly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • Zero Fee on Platinum Card and Citibank Plus Transaction Account.

  • 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 16 December 2019. 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
  • 3.19% p.a.

  • n/a

  • n/a

  • n/a

  • 3.58% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $350.00 yearly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • Zero Fee on Platinum Card and Citibank Plus Transaction Account.

  • 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 16 December 2019. 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
  • 3.44% p.a.

  • n/a

  • n/a

  • n/a

  • 3.82% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $350.00 yearly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • Zero Fee on Platinum Card and Citibank Plus Transaction Account.

  • 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 16 December 2019. 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
  • 3.59% p.a.

  • n/a

  • n/a

  • n/a

  • 3.97% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $350.00 yearly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • Zero Fee on Platinum Card and Citibank Plus Transaction Account.

  • 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 16 December 2019. 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
  • 3.64% p.a.

  • n/a

  • n/a

  • n/a

  • 4.02% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $350.00 yearly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • Zero Fee on Platinum Card and Citibank Plus Transaction Account.

  • 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 16 December 2019. 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
  • 3.84% p.a.

  • n/a

  • n/a

  • n/a

  • 4.22% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $250.00

  • n/a

  • $350.00 yearly

  • $350.00

Other financial bits
  • $350,000

  • $4,000,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Interest Only

  • Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • Zero Fee on Platinum Card and Citibank Plus Transaction Account.

  • 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 163 Citi home loan reviews

Price
5.0/10
Features
5.5/10
Customer service
4.7/10
Convenience
3.9/10
Trust
5.1/10

Latest reviews of Citi Standard Variable (Mortgage Plus)

  • Overall
    5/10
    Could do better

    Really unhappy about the transaction fees.

    Really unhappy about the transaction fees.

    Price
    6/10
    Features
    5/10
    Customer service
    6/10
    Convenience
    7/10
    Trust
    5/10

    Sharon | Queensland

    reviewed about 5 years ago

  • Overall
    5/10
    Would change banks if I could, need the visa card

    The personal at Citibank were not very interested in me due to me being on a disability pension...

    The personal at Citibank were not very interested in me due to me being on a disability pension after a work problem. Even though I told them I was keen to return to work as I could not survive on the pension they were not interested at all in helping me in any way. The other factor was the person on the phone did not speak English very well (Indian language) and was hard to understand. Basically the end result was "speak to us when you have a job" Sure people who find themselves in this situation or even pensioners are entitled to try and improve their financial situation. This is a type of discrimination. Even going to a lower interest credit card was not posible due to being on disability pension so I could save some money. The card I currently use has a percentage rate of 21% for cash advance and I think 18.9% interest daily. Also they charge $10 per day for each day you have gone past the payment date.

    Price
    6/10
    Features
    6/10
    Customer service
    4/10
    Convenience
    4/10
    Trust
    3/10

    Tony | Western Australia

    reviewed over 6 years ago

  • Overall
    9/10
    Good bank

    They are only a phone call away and can fix most things over the phone. Replacement cards arrive...

    They are only a phone call away and can fix most things over the phone. Replacement cards arrive very quickly and all is very DIY which I like. They are never first to put interest rates up.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    9/10

    Jo | New South Wales

    reviewed almost 7 years ago

  • Overall
    2/10
    Poor Service but decent product

    Poor Service but decent product, choose only if you have limited choice and do not want to go...

    Poor Service but decent product, choose only if you have limited choice and do not want to go with the big 4 banks

    Price
    0/10
    Features
    3/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10

    Gabriel | Victoria

    reviewed over 7 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.

See Citi home loans

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a. variable

2.80% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a. variable

2.86% p.a.

$785

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a. variable

2.80% p.a.

$0

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$596

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

IMB Bank

IMB Bank

Budget Home Loan

3.13% p.a. variable

3.19% p.a.

$799

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a. variable

2.80% p.a.

$0

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a. variable

2.80% p.a.

$0

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$596

Promoted

HSBC

HSBC

Home Value Loan

2.95% p.a. variable

2.97% p.a.

$150

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a. variable

2.86% p.a.

$785

Promoted

Easy Street

Easy Street

Standard Variable Home Loan

2.95% p.a. variable

2.99% p.a.

$500

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a.

2.80% p.a.

$0

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a.

2.80% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a.

2.86% p.a.

$785

Promoted

HSBC

HSBC

Home Value Loan

2.95% p.a.

2.97% p.a.

$150

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a.

2.77% p.a.

$596

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a.

3.23% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.84% p.a.
fixed 3 years

3.59% p.a.

$395

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

Promoted

Tic:Toc

Tic:Toc

Fixed Home Loan

2.84% p.a.
fixed 3 years

2.92% p.a.

$0

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

Well Home Loans

Well Home Loans

Well Balanced Fixed

2.74% p.a.
fixed 3 years

2.84% p.a.

$785

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.44% p.a.

$799

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.89% p.a.
fixed 3 years

3.96% p.a.

$0

Promoted

Heritage Bank

Heritage Bank

Fixed Rate Loan (Home Advantage)

2.99% p.a.
fixed 3 years

3.59% p.a.

$150

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0.00

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a.

2.80% p.a.

$0.00

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a.

2.86% p.a.

$0.00

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a.

2.80% p.a.

$0.00

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a.

2.77% p.a.

$0.00

Promoted

IMB Bank

IMB Bank

Budget Home Loan

3.13% p.a.

3.19% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

2.95% p.a.

2.97% p.a.

$0.00

*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.