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Basic Home Loan

Basic Home Loan

We've got the basics right.

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Why choose a Basic Home Loan?

From first-time buyers to investors - if you are looking for a simple, no-fuss home loan from a trusted lender that truly rewards your saving efforts - you've found it with a Citibank Basic Home Loan.

Savings

No monthly account keeping fees with our basic home loan.

Additional Payments

Make additional repayments at any time without penalty1.

Flexibility

You can choose to pay weekly, fortnightly or monthly.

Redraw

Withdraw any additional home loan repayments you have made as often as you like. 

Split Accounts

Split up to 4 accounts with a minimum split amount of $20,000 per account2


 

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Features

Monthly Account Keeping Fee - $0

Home Loan Application Fee - $399

Settlement Fee - $250

Minimum Loan Amount - $350,000

Maximum Loan Term - 30 Years


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Other Home Loans

Standard Fixed Home Loan

Receive protection from rate rises and have the peace of mind of knowing just how much you'll pay as well as a set repayment period.      

Learn More

Standard Variable Home Loan

Take advantage of our Standard Home Loan with a flexible interest rate that allows you pay off you loan sooner.                                                               

Learn More

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.

Learn More


View all of our Home Loans

Maximise your Citibank Home Loan.

Check our Calculators and Tools

Help and Support

How to Apply

Whether you’re looking to buy, invest or refinance, applying for a Citibank home loan is easy. We have everything you need to get started.

Get started

Manage your Home Loan

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.

Find out more

Calculators and Tools

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.

Start planning


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Important Information

Advertised Home Loan rates are for new, secured loans only and are subject to change at any time. All loans and securities are subject to Citigroup's credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions apply and are available on request.

Minimum loan size is $350,000.

Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

1. Without penalty, customers with fixed loan splits can make additional repayments of up to $1,000 per payment cycle, or increase their regular repayments by up to $1,000 per payment cycle.

2. Basic Home Loan is a low-cost home loan with limited features. It can’t be paired with any other products except a Standard Fixed Home Loan.

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