• Make extra payments

  An additional repayment is any amount you pay into your home loan over and above your regular repayment – and even small additional repayments can make a big difference. Give up just one cappuccino each week, and by tipping the extra $3.50 into your home loan each week, you could save over $8,000 in total interest on a $250,000 loan at 7.5%p.a. interest over the 24 remaining years. Paying larger amounts like your tax refund into your loan can also shorten the life of the loan with a significant saving on the interest.

  You can make additional repayments to your home loan via funds transfer or BPAY^®. There are no charges associated with making additional repayments to your Basic/Standard, Offset Home Loan. For Fixed Rate Home Loans, however, a rate break charge or interest equalisation will be required. Please call us on 1300 131 127 for more information.

• Change your home loan repayments

  Did you know that you can reduce the cost of your home loan by paying fortnightly versus monthly? By paying fortnightly rather than monthly, you make approximately two more payments each year. To change your home loan repayments, simply complete this form with the changes you wish to make, and return to us via Citi Online or mail to Mortgages Operations, GPO Box 4799, Sydney NSW 2001

• Redraw extra repayments

  You can redraw any extra repayments you have made to your Standard, Standard Offset or Basic Home Loan, by logging on to Citi Online or the Citi Mobile ^® app and using the funds transfer option.

• Increase your credit limit

  For changes to your existing home loan, please contact us on 1300 131 127 to discuss your request.

• Add an additional signatory

  Simply complete this form and return to us via Citi Online or mail to Mortgages Operations, GPO Box 4799, Sydney NSW 2001.

• Change of name

  To change the name on your Citi Home Loan account(s), we’ll need you to post the below documents to us at Mortgages Operations, Reply Paid 4799, Sydney NSW 2001:

  Evidence of your name change – this could be a marriage certificate, divorce papers, current Australian driver’s licence, valid passport or change of name certificate issued by an Australian Government office. Please do not send us the original document; rather, an original certified photocopy is required.

  A completed Authority to Operate Home Loan Account form – please use your new signature when signing the Signature Card section of this form, and arrange for all existing account owners and any other signatories to sign this section. The new authority will replace any existing authority.

• Discharge your home loan

  Before you go, our team would be happy to review your current interest rate. Give us a call on 1300 131 127 or send an email to homeloanservices@citi.com.

  If you’d like to fully OR partially discharge your home loan, please follow these steps:

  Print and Complete the Security Release Request. Please ensure that all borrowers/property owners/guarantors sign the form.

  Return the completed form via document upload or mail to Mortgages Operations, GPO Box 4799, Sydney NSW 2001.

• Book an annual home loan health check.

  Home loans are no longer one-size-fits-all. It’s important to regularly review your home loan to ensure it still suits your circumstances. To make sure that your needs are still being met by your current home loan, we offer a free annual health check, call us on 1300 131 127 to arrange yours today.

• Use the equity in your home.

  Your home equity - the difference between what you owe and what your home is worth - is a major asset. But it's one that many homeowners under-utilise. By using your home loan as a low-cost source of funds, you can tap into your home equity, at any time or take a well-earned holiday - all at home loan interest rates.car, or take a well-earned holiday - all at home loan interest rates.

  For example, by using your home loan instead of your credit card, you could save up to $1,000 in 12 months on a $10,000 purchase.

• Consolidate your debts and save interest.

  Debt consolidation can involve combining all your higher-interest debt into one low-interest loan - usually your home loan. Consolidating personal loans and credit cards this way is a sensible strategy that can more than halve the interest rate.

  The key to successful debt consolidation is sticking to a budget. The system works best if you aim to repay your debts sooner by making additional repayments. It’s best to avoid racking-up large amounts of credit once you've consolidated your debts, or you could find yourself overloaded with debt. Credit is extremely handy, so remember to use it wisely. To book an annual home loan health check, find out about accessing the equity in your home or discuss your current loan, please call us on 1300 131 127 between 9am and 5pm EST, Monday to Friday.

To book an annual home loan health check, find out about accessing the equity in your home or discuss your current loan, please call us on 1300 131 127 between 9am and 5pm EST, Monday to Friday.