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Citi Standard Variable

Advertiser disclosure

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, 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, 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, Interest Only)

    LVR < 80%

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

  • Investor (Principal & Interest, Interest Only)

    LVR 80%-90%

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

Rate
5.10% p.a.
Comparison Rate
5.24% p.a.
Service fee
$8.00 monthly
Upfront fee
$649
Rate
5.35% p.a.
Comparison Rate
5.49% p.a.
Service fee
$8.00 monthly
Upfront fee
$649
Rate
5.10% p.a.
Comparison Rate
5.24% p.a.
Service fee
$8.00 monthly
Upfront fee
$649
Rate
5.35% p.a.
Comparison Rate
5.49% p.a.
Service fee
$8.00 monthly
Upfront fee
$649

Details

Rates and fees information correct as at 18 January 2021. 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
  • 5.10% p.a.

  • n/a

  • n/a

  • n/a

  • 5.24% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • none

  • Receive $3,000 cashback for new lending between $350,000 and $750,000 or $4,000 cashback for loan amounts of $750,000 or more for applications submitted by 28 February 2021 and settled by 30 April 2021.

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 18 January 2021. 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
  • 5.35% p.a.

  • n/a

  • n/a

  • n/a

  • 5.49% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • none

  • Receive $3,000 cashback for new lending between $350,000 and $750,000 or $4,000 cashback for loan amounts of $750,000 or more for applications submitted by 28 February 2021 and settled by 30 April 2021.

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 18 January 2021. 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
  • 5.10% p.a.

  • n/a

  • n/a

  • n/a

  • 5.24% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • none

  • Receive $3,000 cashback for new lending between $350,000 and $750,000 or $4,000 cashback for loan amounts of $750,000 or more for applications submitted by 28 February 2021 and settled by 30 April 2021.

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 18 January 2021. 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
  • 5.35% p.a.

  • n/a

  • n/a

  • n/a

  • 5.49% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/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
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • none

  • none

  • Receive $3,000 cashback for new lending between $350,000 and $750,000 or $4,000 cashback for loan amounts of $750,000 or more for applications submitted by 28 February 2021 and settled by 30 April 2021.

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
5.0/10

Based on 167 Citi home loan reviews

Price
5.0/10
Features
5.5/10
Customer service
4.7/10
Convenience
4.0/10
Trust
5.1/10

Latest reviews of Citi Standard Variable

  • Overall 9/10
    I love using the smartphone app!

    The product is very simple. The application process was easy too.

    Read full review

    The product is very simple. The application process was easy too.

    Price
    7/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Rachael, South Australia reviewed 10 months ago
  • Overall 8/10
    Great to deal with.

    Have been responsive and good to deal with. Fast reply to queries. Good bundle with redraw.

    Read full review

    Have been responsive and good to deal with. Fast reply to queries. Good bundle with redraw.

    Price
    8/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    2/10
    Trust
    7/10
    Less
    Phil, Queensland reviewed about 1 year ago
  • Overall 9/10
    Good customer service

    I like this Bank because they are available 24hours

    Read full review

    I like this Bank because they are available 24hours

    Price
    8/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Kay, Queensland reviewed over 3 years ago
  • Overall 1/10
    Would not recommend

    No Australians to speak with when calling them and not willing to help out.

    Read full review

    No Australians to speak with when calling them and not willing to help out.

    Price
    3/10
    Features
    4/10
    Customer service
    1/10
    Convenience
    2/10
    Trust
    2/10
    Less
    Jo, Tasmania reviewed over 5 years ago
  • Overall 8/10
    Great Comparison Rates

    Great comparison rates. Simple rules for understanding.

    Read full review

    Great comparison rates. Simple rules for understanding.

    Price
    5/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    7/10
    Less
    Angela, New South Wales reviewed over 5 years ago
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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.