Citi Fixed 5 Years

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

Moneybuddy says

Citibank's 5-year Fixed Rate home loan is an excellent option if you want stability in your repayments. This home loan comes with a 5-year discounted fixed rate, which then converts to Citibank's Standard Variable Rate after the term. It also comes with a free, 60-day rate lock, as an extra plus when it comes to security!

The Basics

Max LVR 90.00%

Interest type Fixed rate

Headline interest rate p.a. 5.39%

Comparison rate p.a. 6.05%

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 5 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 5.39%

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 6.49%

Comparison rate (p.a.) 2 years 6.94%

Comparison rate (p.a.) 3 years 6.94%

Comparison rate (p.a.) 4 years 6.94%

Comparison rate (p.a.) 5 years 6.94%

Comparison rate (p.a.) 7 years 6.94%

Comparison rate (p.a.) 10 years 6.94%

Comparison rate (p.a.) 15 years 6.94%

Minimum loan term -

Maximum loan term -

Min loan amount -

Max loan amount -

Early repayments Yes

Redraw facility No

Repayment holiday No

Ability to split loan Yes

Extra repayments Yes

Offset account available -

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

A Citibank Fixed Rate Mortgage allows you to maintain full control and peace of mind. Your interest rate stays fixed, which means your repayments stay the same each month, giving you peace of mind and the ability to budget.We fix the interest rate at the time of application for a period of 60 days, giving you plenty of time to get your application approved, without having to worry about any rate rises that may occur in between. And, we allow you to make additional payments of up to $1,000 per month without penalty, so you can move forward on your repayments while your rate remains the same.

Key features

  • Fixed rate home loan
  • $399 application fee
  • $96 annual fee
  • Free 60-day rate lock
  • Additional repayments permitted penalty free under $1,000 per month
  • Minimum deposit of 10%


  • Discounted fixed rate
  • Split loans permitted
  • Loan is portable
  • Interest only repayments permitted up to 5-years


  • No 100% offset account included
  • No redraw facility
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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