Citi Fixed 4 Years

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Headline interest rate p.a.
Comparison rate p.a.
Annual fee

Moneybuddy says

Citibank 4-year Fixed Home Loan offers clients with consistency and peace of mind to better equip them with more options to manage repayments!

The Basics

Max LVR 90.00%

Interest type Fixed rate

Headline interest rate p.a. 5.39%

Comparison rate p.a. 6.10%

Annual fee $96

The cool stuff: features

Draw down loan progressively -

Insurance details -

Loan is Transferable -

Line of credit available No

Product suits Owner - Occupier

The Facts & Figures

Introductory rate p.a. 5.39%

Introductory term 4 years

Interest rate (p.a.) 1 year 5.39%

Interest rate (p.a.) 2 years 5.39%

Interest rate (p.a.) 3 years 5.39%

Interest rate (p.a.) 4 years 5.39%

Interest rate (p.a.) 5 years 6.19%

Interest rate (p.a.) 7 years 6.19%

Interest rate (p.a.) 10 years 6.19%

Interest rate (p.a.) 15 years 6.19%

Comparison rate (p.a.) 1 year 6.55%

Comparison rate (p.a.) 2 years 6.98%

Comparison rate (p.a.) 3 years 6.98%

Comparison rate (p.a.) 4 years 6.98%

Comparison rate (p.a.) 5 years 6.98%

Comparison rate (p.a.) 7 years 6.98%

Comparison rate (p.a.) 10 years 6.98%

Comparison rate (p.a.) 15 years 6.98%

Minimum loan term -

Maximum loan term -

Min loan amount -

Max loan amount -

Early repayments -

Redraw facility No

Repayment holiday No

Ability to split loan Yes

Extra repayments Yes

Offset account available No

Interest only payments Yes

The ugly stuff: fees

Application fee $399

Valuation fee -

Subsequent valuation fee -

Valuation fee details -

Discharge fee -

Discharge fee details -

Legal fee -

Settlement fee -

Redraw fee -

Comparison Rate Disclaimer -

All product information comes from the product provider or an affiliate and to the best of our knowledge is correct at time of publishing. MoneyBuddy endeavours to keep product information up to date however we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. We recommend that you check the accuracy of all information provided on this website with the product provider. MoneyBuddy earns a referral fee from redirecting website users to a product provider's website. Further details are provided in relation to specific product information. Website users have no obligation to apply for a product or service that they may be referred to by this website.

Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Citi says

Flexibility, security, refinancing, investing and more — we understand that at different stages, you need different types of home loan products and features to complement both your lifestyle and financial goals. Our aim is to create and tailor products to suit where you are today, offering you the greatest possible benefits from your home loan, so we can be with you as you progress into tomorrow.

Key features

  • Fixed rate for 4-years
  • $399 application fee
  • $96 annual fee
  • Free of charge 60 day rate-lock
  • Added repayment fee free up to $1,000 a month on top of regular payment
  • Split loan feature
  • Loan is portable
  • Option for interest only payments for up to 5-years
  • 10% minimum deposit


  • The free 60-day rate lock is a perfect way to secure a good interest rates right at the time you are applying for financing
  • Added repayments permitted
  • Gives some people a better sense of security in terms of their monthly payment requirements


  • No 100% offset account available
  • No redraw facility
  • No construction loan
Interested in this home loan?

We can pass your details on directly to a home loan expert from the bank, who will contact you within 24 hours to discuss your situation.


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We've partnered with Tomorrow Finance for home loan data, advice and details. You will be contacted within 24 hours by a home loan expert from the bank to discuss your situation. There is no obligation to complete the home loan. You are simply making an enquiry.

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