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 almost 2 years 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 over 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 over 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 almost 4 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 almost 4 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 almost 4 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 almost 4 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 about 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

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Bren, New South Wales, reviewed about 4 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 about 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

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Zachary, Queensland, reviewed about 4 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 about 4 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 about 4 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 about 4 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

Less

Anne, Victoria, reviewed about 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 2019

    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

  • MOZO EXPERTS CHOICE AWARDS 2019

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

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

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% 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

  • Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $750,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 7 Virgin Money home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    ME Flexible Home Loan (Fixed, Owner Occupier, LVR<80%, Principal & Interest)

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you

    interest rate

    3.89% p.a.
    fixed 2 years

    comparison rate*

    4.90% p.a.

    upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 3.89% p.a.
      fixed 2 years
    • Comparison rate*: 4.90% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 901 ME 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 - free
    • 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 243 Heritage Bank 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 522 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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