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How to Apply

Whether you’re ready to apply for a home loan, want a no-obligation free quote or just want to ask a question, you can speak with one of our Mortgage Specialists at the touch of a button.


Request a call

New Customers

1300 361 922

(9am to 5pm, Monday to Friday)

Existing Customers

1300 131 127

(9am to 5pm, Monday to Friday)

How to Apply

Click on the below links to understand what is required from each of the potential scenarios:

  • I am an employee

    Citibank asks you to provide a copy of:

    -  Your latest automated payslip; or

    -  A letter from your current employer, less than one month old, on company letterhead; or

     Your last financial year's group certificate or tax return confirming continuity of income / employment.

  • I am self-employed

    Citibank asks you to provide copies of your:

     Last two years' personal tax returns; and

     Last two years' final tax / business returns for ALL trading entities (Company, Partnership, Trust) including profit and loss, and balance sheets; and

     BAS for the current tax year.

    Please note: If you are unable to provide all of the above documentation, please contact a Mortgage Specialist to discuss your options.

  • I own an investment property and earn rental income

    Citibank will need to verify your rental income. This is usually in the form of rental statements or a current executed lease agreement. We may need to verify some of your other details depending on your circumstances

  • I am refinancing my current home loan to Citibank

    Please contact a Mortgage Specialist to discuss your needs.

  • I am purchasing a property

    Congratulations! To help you with your application, Citibank will need the following from you:

    -  Proof of deposit paid; and

    -  Contract of Sale

  • I’m buying my first home and would like Citibank to lodge the First Home Owner Grant application on my behalf

    Congratulations! We would be delighted to assist you during this exciting time of your life. The First Home Owner Grant does require an application form to be completed, and we may need to collect some additional information from you. Contact your Mortgage Specialist who will be able to discuss this with you.

We need to identify you

If you are a new Citibank customer, by law, we are required to identify you. It's a good idea to have your original and current personal identification document/s ready for when you want to apply. Generally, the majority of customers are identified with their current Driver Licence or Passport.

What documents will I need to provide when I apply?

There will always be a minimum number of documents you will need to provide your Mortgage Specialist when you apply for a Citibank Home Loan. Depending on your circumstances (and everyone is different), there may be additional documents we need from you - request a call to discuss further with one of our Mortgage Specialists.

What's involved in the application process?

Once you've completed the online enquiry form, one of our Mortgage Specialists will contact you within 24 hours (Monday to Friday) to discuss your loan options, along with ways you could structure your loan to suit your needs. Then, if you like, they'll send you more detailed product information together with an application form - or they can complete this with you over the phone.

How long does it take to process my application?

It can take up to 10 working days for your application to reach Final Approval, including the inspection of the security property to determine its value. To allow enough time for the closure of your other loan (if you're refinancing) and provide all the information required for settlement, we suggest you submit your application at least one month prior to your anticipated settlement date.

Ready to take the next step?

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We want to make sure your home loan still works for you, long after you’ve moved in. Ensure you're making the most of our products and services.

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Here you’ll find a range of calculators, planners and tools that will help you crunch the numbers and make it easy to plan your perfect home loan.

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Whether you want to talk about a home loan or kick-start your search with a free property report, start your next chapter by speaking to a Mortgage Specialist.

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