Standard Fixed Home Loan - Principal and Interest

A Citibank Standard Fixed Home Loan 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.
Category: Home Loans  Last Updated April 28, 2022  Effective September 1, 2020

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Owner occupied
Interest Rate
3.79%PA
Comparison Rate
2.58%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  INVESTMENT, FIXED, 4.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.74%, Comparison Rate 3.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.09%, Comparison Rate 3.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 5.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.59%, Comparison Rate 4%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR greater than 80%
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.34%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR greater than 80%
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.99%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR greater than 80%
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.34%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR greater than 80%
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 3.79%, Comparison Rate 2.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 4.44%, Comparison Rate 2.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 4.79%, Comparison Rate 3.08%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 5.29%, Comparison Rate 3.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR greater than 80%
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.04%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR greater than 80%
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 4.69%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR greater than 80%
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.04%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR greater than 80%
Minimum: 80 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate N/A%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Digital Banking
  • Digital Banking
  • Notifications

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Non-residents Eligible. Additional Interest Rate Loading Of 0.50% P.a. Applies For Non Residents Or Loans Where The Income Declared For Loan Assessment Is In A Foreign Currency. A Resident Is Either A Citizen Or Permanent Resident Of Australia..

 Bank Fees and Charges

  • Application Fee (Upfront), Amount: 399.00. Additional Information: This fee is payable on or before settlement, and includes the cost of valuation(s) on the property of up to $500. If the valuation cost exceeds $500 you must pay the excess.
  • Account Keeping Fee (Periodic), Amount: 8.00. Additional Information: Account keeping fee applies to all variable and fixed rate accounts.
  • Settlement Fee (Event), Amount: 250.00. Additional Information: This fee is payable on or before settlement for attendance by Citibank's solicitor(s) and for completing all Land Title Office requirements.
  • Company/third Party Fee (Upfront), Amount: 150.00. Additional Information: This fee is payable when a company or third party applies for the loan and provides security. This is payable per company and/or third party.
  • Non Standard Security Fee (Event), Amount: 250.00. Additional Information: This fee may apply where the offered security is not a standard security type.
  • Additional Property Security Fee (Event), Amount: 150.00. Additional Information: Additional legal fees are payable where more than one security is offered. This fee is payable for each additional security offered.
  • Re-documentation Fee (Event), Amount: 40.00. Additional Information: This fee applies where you request a change and we need to prepare new loan documents.
  • Overdue Payment Fee (Event), Amount: 20.00. Additional Information: An overdue payment fee of $20 will be charged on your home loan if we have not received your full monthly repayment. The fee is payable at 15 days, 30 days, 45 days, and 60 days after the due date for payment while the payment remains overdue
  • Credit Limit Re-arrangement Fee (Event), Amount: 150.00. Additional Information: Where the credit limits between your accounts are re-arranged, and does not result in an increase to your overall facility credit limit.
  • Split Accounts Fee (Event), Amount: 150.00. Additional Information: Where you request us to split your loan into additional accounts, not exceeding four accounts per loan
  • Product Change Fee (Event), Amount: 150.00. Additional Information: Where there is a product change to your existing loan, e.g.:covert your existing loan to another product type (eg. Standard Variable to Standard Fixed), or to another repayment option, or extend an interest only period. A fixed rate break charge may also apply if switching from a fixed rate during the fixed rate period
  • Full Discharge Administration Fee (Event), Amount: 350.00. Additional Information: Payable when any loan is fully discharged. A Discharge Registration Fee is also payable by you to the relevant land titles registration body, when you register a full discharge of your Citibank mortgage
  • Partial Discharge Administration Fee (Event), Amount: 350.00. Additional Information: $350 (plus any valuation cost). Payable when any loan is partially discharged. Citibank may perform a valuation on the property the subject of a security when assessing this request. If we do so, you must pay the fee plus any valuation costs. A Discharge Registration Fee is also payable to the relevant land titles registration body when you register a partial discharge of your Citibank mortgage.

 Limitations & Restrictions (Constraints)

  • Min Limit of 350000.00
  • Max Limit of 4000000.00

 Document Downloads

Like this Mortgage Product?

Share on facebook
Share on Facebook
Share on twitter
Share on Twitter
Share on linkedin
Share on Linkdin
Share on pinterest
Share on Pinterest