Citi Home Loans

Citi wins Canstar Outstanding Value award

Citi (formerly Citibank) is a provider of home loans, credit cards, personal loans, bank accounts, term deposits, life insurance, car insurance, home insurance, travel insurance, superannuation, investment products, and business banking products.

Loan Options: What Citi home loans offer

Here’s a snapshot of Citi’s variable home loans currently on offer for a purchase value of $600,000 in NSW. Please note that this table is formulated based on paying both principal and interest and results are sorted by comparison rate (lowest to highest). To compare other home loans, please click here.


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The inclusions below represent a selection of the features available with a standard variable rate home loan for an owner occupier. Canstar is not making any suggestion or recommendation to you about this product. Additional conditions may apply to different features. Please see our comparison tables for more detailed information about products on offer from this provider. Please ensure that you read the product disclosure statement (PDS) to determine all the current loan terms and conditions for the product you are considering.

Variable home loan features

  • Offset account available (100% offset account)
  • Redraw facility available
  • Split rate loan option available
  • Additional repayments allowed (no penalty for extra repayments on variable rate loans, break fee penalty applies to fixed rate loans)

What types of home loans does Citi offer?

At the time of writing, Citi offers the following types of home loans:

  • Variable rate home loan
  • Fixed rate home loan
  • First home buyer home loan
  • Refinancing home loan
  • Investment home loan

Find out about how different types of home loans work here.

See our comparison tables for details of Citi home loans:

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Citi FAQs

Applying for a Citi home loan is a simple process; just apply online by following the directions on the Citi website. You can also speak to a Citi consultant and apply over the phone on 1300 361 922 (open Mon-Fri).

Follow our applying for a home loan checklist, and use the Canstar website to compare Citi home loans with other home loans before choosing a product that suits your needs:

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Yes, Citi allows extra repayments on their variable interest home loans. There is no penalty for extra repayments on variable rate loans, but note that a break fee penalty applies to fixed rate loans for additional repayments over a certain amount per repayment cycle. Terms and conditions apply; contact your lender for details.

Yes, Citi’s variable rate home loans offer a redraw facility. Fees and charges may apply to use of a redraw facility; contact your lender for details.

If you’re in the market for a home loan, compare your home loan options with Canstar:

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Citi started operation in Australia in 1985 and was the first foreign bank to be granted a banking licence here.

Citi has two distinct groupings in Australia: the Global Consumer Bank, which provides personal financial services; and the Institutional Clients Group, which works with corporate and institutional clients.

Citi is a part of Citigroup, which is one of the world’s largest financial services organisations. Worldwide, Citigroup serves 200 million customers in 160 countries.

Citi is an active member of its community, with the Citi Foundation supporting programs to help low income earning youth find stable employment.

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Showing products in Canstar’s database with links to lenders’ websites. The display is sorted by the advertised interest rate (lowest to highest), then provider name (alphabetically).

Source: Canstar. Based on residential variable home loans available for a loan amount of $350,000 at 80% LVR, and available for Principal and Interest repayments. 
*Comparison rate based on loan amount of $150,000. Read the Comparison Rate Warning.

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Written by: Tim Smith | Last updated: