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Home
Home Loans

Home Loans

Write your next chapter with a Citi home loan.

Please note that we are no longer accepting new applications for this product. Our dedicated team is available to support existing customers with any variations and modifications required to your home loan.

Basic Home Loan

A basic low-cost variable rate home loan without ongoing fees.

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Standard Offset Home Loan

Every dollar in your savings account is offset on a daily basis against the balance of your home loan - so you pay less interest on your loan.

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Standard Variable Home Loan

Our variable rate home loan comes with the flexibility to combine with other products such as a Standard Offset or Standard Fixed Home Loan or incorporate the Mortgage Plus Package feature.

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Standard Fixed Home Loan

Receive protection from rate rises and have the peace of mind of knowing just how much you'll pay.

Learn More

Optimise your home loan with our mortgage calculators

Mortgages Repayment Calculator

Want to understand how much your repayments will be based on your loan amount? Use this simple calculator as an easy guide to understanding how much you will need to repay weekly, monthly, or fortnightly.

Calculate your repayments

Split Loan Calculator

Want to discover the perfect split between fixed and variable interest? Use this simple calculator as an easy guide to understand how splitting your loan will change your repayments over time.

Get the balance right

Extra Repayments Calculator

Use this simple calculator as an easy guide to understand how topping up your repayments can help you to reduce your interest and pay off your home loan sooner.

See how much you could save

Lump Sum Repayments Calculator

Put your extra money to good use. Use this handy calculator to see how much faster you can pay off your loan each time you make a lump sum repayment.

See the benefits

Help and Support

Help and support

Explore our online help guides and learn more about our products and services.

Visit help and support >

Useful forms and links

See additional resources for our products and services that will help you set up and use your account.

Explore useful forms and links >

Support services

We are here to help you through difficult financial or personal times.

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Citi acknowledges the Traditional Owners of the lands as Australia’s First Peoples and recognise their continuing connection to lands, water and country. We pay our respects to First Nations peoples and their Elders, past and present.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB"), is the credit provider and issuer of Citi branded credit products. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to provide transitional services.

This means that NAB is your product provider and references to 'we', 'us', or 'our' in relation to Citi branded products and services are generally references to NAB unless the context requires otherwise.

"Citi", "Citibank", "Citigroup", the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

The advice given on this website was prepared without taking into account your objectives, financial situation or needs, so before acting on it, you should consider the appropriateness of the advice having regard to your personal situation. You should also obtain and consider the associated product disclosure statement and terms and conditions that apply to the products and offers on this website, which are available by going to the offer page or by contacting our Customer Service Centre on 13 24 84. View Citi's and NAB's Financial Services Guide and Credit Guide.