Citibank Standard Variable

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

Moneybuddy says

Citibank's Standard Variable Rate home loan is a very flexible option because customers are free to establish a variable rate for as long as 5-years and then create another term be it fixed, standard or split! You craft your home loan to be what you need it to be.

The Basics

Max LVR 90.00%

Interest type Variable rate

Headline interest rate p.a. 6.19%

Comparison rate p.a. 6.31%

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. -

Introductory term -

Interest rate (p.a.) 1 year 6.19%

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 6.81%

Comparison rate (p.a.) 2 years 7.21%

Comparison rate (p.a.) 3 years 7.21%

Comparison rate (p.a.) 4 years 7.21%

Comparison rate (p.a.) 5 years 7.21%

Comparison rate (p.a.) 7 years 7.21%

Comparison rate (p.a.) 10 years 7.21%

Comparison rate (p.a.) 15 years 7.21%

Minimum loan term -

Maximum loan term -

Min loan amount -

Max loan amount -

Early repayments -

Redraw facility Yes

Repayment holiday No

Ability to split loan Yes

Extra repayments Yes

Offset account available Yes

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.

Citibank says

We've set a new standard, and there's nothing standard about it.Variable, fixed, or a combination of both, there is nothing standard about this tailored home loan. With the Citibank Standard Mortgage, we're giving you the options necessary to create a home loan that meets your requirements, giving you what you need, when you need it.

Key features

  • Standard variable rate home loan
  • $399 application fee
  • $96 annual fee
  • Redraw facility
  • Interest only repayments for up to 5-years
  • Split loans permitted
  • Extra repayments permitted
  • Minimum deposit of 10%


  • Discount rate is available
  • 100% offset account option
  • Loan is portable


  • Construction loan not available
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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