Citibank Fixed 1 Year

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

Moneybuddy says

The Citibank 1-year Fixed Home Loan has a standard fixed rate, which is great for when you want some financial security and stability when you start financing your home. This home loan option also permits you to set your rates 60 days prior to financing, without any additional fees.

The Basics

Max LVR 90.00%

Interest type Fixed rate

Headline interest rate p.a. 4.59%

Comparison rate p.a. 6.20%

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. 4.59%

Introductory term 1 year

Interest rate (p.a.) 1 year 4.59%

Interest rate (p.a.) 2 years 6.19%

Interest rate (p.a.) 3 years 6.19%

Interest rate (p.a.) 4 years 6.19%

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 6.71%

Comparison rate (p.a.) 2 years 7.14%

Comparison rate (p.a.) 3 years 7.14%

Comparison rate (p.a.) 4 years 7.14%

Comparison rate (p.a.) 5 years 7.14%

Comparison rate (p.a.) 7 years 7.14%

Comparison rate (p.a.) 10 years 7.14%

Comparison rate (p.a.) 15 years 7.14%

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 Yes

Interest only payments -

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.

Citibank says

Knowing when to fix your home loan and when to opt for a variable rate isn't always easy... except for right now. You'll enjoy other benefits too, including a free 60-day rate lock. Once you've applied or your home loan we will guarantee the rate for 60 days, even if there is an interest rate rise during the period.

Key features

  • Fixed home loan rate
  • Free 60-day lock period
  • $399 application fee
  • $96 annual fee
  • Interest-only period for up to five years
  • Extra repayments permitted
  • Minimum deposit of 10%
  • Offset account available


  • No penalty for extra repayments up to $1,000 per month
  • Ability to combine the Standard Fixed Rate home loan with any other Citibank Home loan to enjoy the best of both worlds
  • The option to make interest-only repayments
  • Low annual fees


  • No 100% offset account
  • 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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