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Citi home loan reviews

Citi
Citi's overall rating for home loans

(as rated by the Mozo community)

5.0 / 10

based on 163 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Citi

Recent Citi home loan reviews

Citi

Citi Standard Variable (Owner Occupier, LVR <80%) Standard Variable review

Overall rating   8 / 10

Great to deal with.

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

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

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Phil, Queensland, reviewed 27 days ago

Citi

Citi Standard Variable (Owner Occupier, LVR <80%) Standard Variable 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 2 years ago

Citi

Citi Standard Variable (Owner Occupier, LVR <80%) Standard Variable 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 over 4 years ago

Citi

Citi Standard Variable Offset (LVR<80%) (Mortgage Plus) 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 over 4 years ago

Citi

Citi Mortgage Power Line of Credit (LVR<80%) (Mortgage Plus) 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

Less

Kevin, Queensland, reviewed over 4 years ago

Citi

Citi Standard Variable (Owner Occupier, LVR <80%) Standard Variable 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

Less

Angela, New South Wales, reviewed over 4 years ago

Citi

Citi Standard Variable Offset 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 4 years ago

Citi

Citi Standard Variable Offset 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

Less

Asif, New South Wales, reviewed over 4 years ago

Citi

Citi Standard Variable (Owner Occupier, LVR <80%) Standard Variable 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 4 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

Less

Bren, New South Wales, reviewed over 4 years ago

Citi

Citi Mortgage Power Line of Credit 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 4 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

Less

Zachary, Queensland, reviewed over 4 years ago

Citi

Citi Mortgage Power Line of Credit 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

Less

Anthony, Queensland, reviewed almost 5 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

Less

Steve, Victoria, reviewed almost 5 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

Less

James, , reviewed almost 5 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

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    2.88% p.a. variable

    comparison rate*

    2.90% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 2.88% p.a. variable
    • Comparison rate*: 2.90% 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: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.2

    Based on 639 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

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

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

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.84% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.84% p.a.
    • Upfront fees: $0
    • 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: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.3

    Based on 7 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    2.84% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 2.84% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • 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: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    10.0

    Based on 1 Athena home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.

    interest rate

    2.79% p.a. variable

    comparison rate*

    2.80% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.
    • Interest rate: 2.79% p.a. variable
    • Comparison rate*: 2.80% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $325.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 90.00%
    • 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
    • Special offers:
    Overall rating

    9.0

    Based on 1 Tic:Toc home loan reviews

    Need more information?
    Go to site

    More info

  • Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer

    interest rate

    2.74% p.a. variable

    comparison rate*

    2.77% p.a.

    upfront fees

    $596

    Go to site

    More info

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer
    • Interest rate: 2.74% p.a. variable
    • Comparison rate*: 2.77% p.a.
    • Upfront fees: $596
    • Ongoing fees: $0.00
    • Discharge fee: $535.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $850,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    6.8

    Based on 23 Homestar 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 534 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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