Citi home loan reviews

Citi
Citi's overall rating for home loans

(as rated by the Mozo community)

5.0 / 10

based on 162 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Citi

Recent Citi home loan reviews

Citi

Citi Standard Variable (Owner Occupier) home loan review

Overall rating   9 / 10

Good customer service

I like this Bank because they are available 24hours

Full review

I like this Bank because they are available 24hours

    Price   8 / 10

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Kay, Queensland, reviewed over 1 year ago

Citi

Citi Standard Variable (Owner Occupier) home loan review

Overall rating   1 / 10

Would not recommend

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

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

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Jo, Tasmania, reviewed about 3 years ago

Citi

Citi home loan review

Overall rating   5 / 10

Good interest rate, after that forget it

I guess if you were on the East Coast then maybe they are an option but no branch is a real pain and having to talk to foreigners who have trouble with the language is a pain. Needing to have more than one card as the credit card is also a pain....

Full review

I guess if you were on the East Coast then maybe they are an option but no branch is a real pain and having to talk to foreigners who have trouble with the language is a pain. Needing to have more than one card as the credit card is also a pain. Basically the interest rate was good, after that forget it. The solicitor who did their conveyancing was lovely.

    Price   7 / 10

    Features   7 / 10

    Customer service   6 / 10

    Convenience   1 / 10

    Trust   6 / 10

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Mark, Western Australia, reviewed about 3 years ago

Citi

Citi home loan review

Overall rating   8 / 10

Would encourage people to try citibank.

Been ongoing account for many years and no major issues that could't be quickly resolved.

Full review

Been ongoing account for many years and no major issues that could't be quickly resolved.

    Price   8 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Kevin, Queensland, reviewed over 3 years ago

Citi

Citi Standard Variable (Owner Occupier) home loan review

Overall rating   8 / 10

Great Comparison Rates

Great comparison rates. Simple rules for understanding.

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

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Angela, New South Wales, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   9 / 10

Competitive premiums and good customer service

We have been with them for a number of years and find the rates very competitive and the staff very helpful even though we can't go into a branch, everything is done either over the internet or via phone calls.

Full review

We have been with them for a number of years and find the rates very competitive and the staff very helpful even though we can't go into a branch, everything is done either over the internet or via phone calls.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Phillip, New South Wales, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   9 / 10

Great customer service

I have the close to best rate for the loan amount. Service has been really good and I have not had any complaints.

Full review

I have the close to best rate for the loan amount. Service has been really good and I have not had any complaints.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Asif, New South Wales, reviewed over 3 years ago

Citi

Citi Standard Variable (Owner Occupier) home loan review

Overall rating   6 / 10

Great rates but poor service

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.

Full review

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

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Chantelle, Victoria, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   3 / 10

Don't like citibank

If I could afford it would change no banks available

Full review

If I could afford it would change no banks available

    Price   4 / 10

    Features   6 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   2 / 10

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Bren, New South Wales, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   10 / 10

Great Service

Always been helpful and never had a problem or hassle.

Full review

Always been helpful and never had a problem or hassle.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Doug, Victoria, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   0 / 10

No customer service

They are not helpful in any way, to them you are a nothing. They have made my life hell after dealing with them for approx.18 yrs.

Full review

They are not helpful in any way, to them you are a nothing. They have made my life hell after dealing with them for approx.18 yrs.

    Price   0 / 10

    Features   5 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   0 / 10

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Zachary, Queensland, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   0 / 10

RUN..Run hard and run fast and never look back!

RUN..Run hard and run fast and never look back!! Nothing but trouble. Missed final settlement on our house twice, only one branch in all of Brisbane and then they couldn't provide a bank cheque, and now they have locked my account with only 4...

Full review

RUN..Run hard and run fast and never look back!! Nothing but trouble. Missed final settlement on our house twice, only one branch in all of Brisbane and then they couldn't provide a bank cheque, and now they have locked my account with only 4 hours notice because I didn't provide them with my occupation information… WTF!! There is no common contact point.. you are just a number.

    Price   0 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Anthony, Queensland, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   7 / 10

Competitive

Great rates but no branches making taking out cash difficult.

Full review

Great rates but no branches making taking out cash difficult.

    Price   9 / 10

    Features   8 / 10

    Customer service   6 / 10

    Convenience   2 / 10

    Trust   6 / 10

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Steve, Victoria, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   8 / 10

Will recommend

Happy with my bank

Full review

Happy with my bank

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   5 / 10

    Trust   8 / 10

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James, , reviewed over 3 years ago

Citi

Citi Fixed Rate Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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.

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

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Anne, Victoria, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   8 / 10

good

my bank is unreal

Full review

my bank is unreal

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   5 / 10

    Trust   9 / 10

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Alan, Queensland, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   5 / 10

Competitive, low fees, and good online systems

First off Citibank excel at remote banking - their web based systems are very good and their ATM network impressive. You pay no fees to withdraw cash from their ATMs. The downside is that they have maybe one or two branches in every Capital city...

Full review

First off Citibank excel at remote banking - their web based systems are very good and their ATM network impressive. You pay no fees to withdraw cash from their ATMs. The downside is that they have maybe one or two branches in every Capital city - not really convenient if you want to discuss something face to face. Overall, they have maintained low fees, low interest rates and enticed customers with zero interest offers. A good bank if you want to do most of your banking online.

    Price   5 / 10

    Features   6 / 10

    Customer service   3 / 10

    Convenience   6 / 10

    Trust   5 / 10

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Joseph, Victoria, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   1 / 10

Poor service and high interest rates

No longer has a local branch, everything has to be done on line. Wait for ages to talk to someone

Full review

No longer has a local branch, everything has to be done on line. Wait for ages to talk to someone

    Price   0 / 10

    Features   3 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   4 / 10

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Col, New South Wales, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   9 / 10

Competitive rates

Since joining our bank we have had awesome customer service and nothing is too hard; I have no real cons when I have had to chase anything the bank has responded quickly and efficiently.

Full review

Since joining our bank we have had awesome customer service and nothing is too hard; I have no real cons when I have had to chase anything the bank has responded quickly and efficiently.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Gabrielle, Tasmania, reviewed over 3 years ago

Citi

Citi home loan review

Overall rating   1 / 10

Lacks flexibility

Does not have the features I asked the Broker for. Lacks the flexibility for banking in Austalia.

Full review

Does not have the features I asked the Broker for. Lacks the flexibility for banking in Austalia.

    Price   3 / 10

    Features   1 / 10

    Customer service   0 / 10

    Convenience   3 / 10

    Trust   0 / 10

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Lee ann, New South Wales, reviewed almost 4 years ago

Citi

Citi Standard Variable (Owner Occupier, Principal & Interest) (Mortgage Plus) home loan review

Overall rating   5 / 10

Could do better

Really unhappy about the transaction fees.

Full review

Really unhappy about the transaction fees.

    Price   6 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   5 / 10

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Sharon, Queensland, reviewed almost 4 years ago

Citi

Citi home loan review

Overall rating   10 / 10

terrific customer service

This bank will go out of its way to accommodate every customer

Full review

This bank will go out of its way to accommodate every customer

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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William, New South Wales, reviewed almost 4 years ago

Citi

Citi home loan review

Overall rating   5 / 10

Fast

They are ok

Full review

They are ok

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   4 / 10

    Trust   5 / 10

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Amanda, New South Wales, reviewed almost 4 years ago

Citi

Citi home loan review

Overall rating   3 / 10

Don't do it!

No branch to visit when things go wrong. Phone service sucks. What more need I say?

Full review

No branch to visit when things go wrong. Phone service sucks. What more need I say?

    Price   4 / 10

    Features   4 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   3 / 10

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Suzette, , reviewed almost 4 years ago

Citi

Citi home loan review

Overall rating   9 / 10

Great rates and easy internet banking

Citibank is fantastic, great rates and easy internet banking. Only down side: only one branch per capital city.

Full review

Citibank is fantastic, great rates and easy internet banking. Only down side: only one branch per capital city.

    Price   10 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Naomi, Queensland, reviewed almost 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.73% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.8

    Based on 2769 NAB home loan reviews

    Need more information?
    Go to site

    More info

  • UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - fees apply
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 242 Heritage Bank home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 505 home loans in the Mozo comparison engine.

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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.

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