Citi Standard Variable

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, 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

5.35% p.a.

5.49% p.a.

$8.00 monthly

Citi Standard Variable

5.35% p.a.

5.49% p.a.

$8.00 monthly

5.60% p.a.

5.74% p.a.

$8.00 monthly

Citi Standard Variable

5.60% p.a.

5.74% p.a.

$8.00 monthly

5.35% p.a.

5.49% p.a.

$8.00 monthly

Citi Standard Variable

5.35% p.a.

5.49% p.a.

$8.00 monthly

5.60% p.a.

5.74% p.a.

$8.00 monthly

Citi Standard Variable

5.60% p.a.

5.74% p.a.

$8.00 monthly

Details

Rates and fees information correct as at 13 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
  • 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

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • 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 13 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
  • 5.60% p.a.

  • n/a

  • n/a

  • n/a

  • 5.74% 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

  • 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 13 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
  • 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

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • none

  • yes

  • yes

  • 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 13 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
  • 5.60% p.a.

  • n/a

  • n/a

  • n/a

  • 5.74% 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

  • 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

  • Overall
    8/10
    Great to deal with.

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

    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

    Phil | Queensland

    reviewed 30 days ago

  • Overall
    9/10
    Good customer service

    I like this Bank because they are available 24hours

    I like this Bank because they are available 24hours

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

    Kay | Queensland

    reviewed over 2 years ago

  • Overall
    1/10
    Would not recommend

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

    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

    Jo | Tasmania

    reviewed over 4 years ago

  • Overall
    8/10
    Great Comparison Rates

    Great comparison rates. Simple rules for understanding.

    Great comparison rates. Simple rules for understanding.

    Price
    5/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    7/10

    Angela | New South Wales

    reviewed over 4 years ago

  • Overall
    6/10
    Great rates but poor service

    Pro: best interest rate we could find. Con: terrible customer service and very few citibank...

    Pro: best interest rate we could find. Con: terrible customer service and very few citibank branches. Very bad online internet banking too - not user friendly at all. But for us the good interest rate is more important and worth it.

    Price
    9/10
    Features
    5/10
    Customer service
    0/10
    Convenience
    1/10
    Trust
    2/10

    Chantelle | Victoria

    reviewed over 4 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.