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We're pleased to advise that on 1 June 2022, National Australia Bank Limited (NAB) acquired the consumer banking business from Citigroup Pty Ltd (Citi) and appointed Citi to provide transitional services.

"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.
Standard Fixed Home Loan

Standard Fixed Home Loan

Feel certain with a fixed rate home loan.

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Why choose a Standard Fixed Home Loan?

A 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.

Certainty

A standard fixed rate mortgage gives you one set interest rate for the duration of the fixed period of your loan.

Stability

Your monthly payments are set for the fixed term, helping you to budget accordingly.

Additional Payments

Make additional payments of up to $1,000 per month without penalty1.

Rate Lock

Free 60 day rate lock where you can fix your rate from application for up to 60 days2.

Fixed Terms

A wide variety of fixed terms available, from one to five years.

Split Accounts

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

View Home Loan Rates

Features

Home Loan Application Fee - $399

Annual Package Fee - $0

Settlement Fee - $250

Minimum Loan Amount - $350,000

Account Keeping Fees - $8p/m per account

View all Fees and Charges

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Other home loans

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

Basic Home Loan

A low variable rate home loan with the ability to make extra repayments at no extra cost.
 

Learn More

Standard Variable Home Loan

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

Learn More
View all of our Home Loans

Optimise your 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 Citi 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 our credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions apply and are available on request.

Minimum loan size is $350,000.

1   Without penalty, customers can make additional repayments of up to $1,000 per month or increase their regular repayments by up to $1,000 per month. 1% cash handling fee may be applicable for cash deposits over $500 at National Australia Bank.

2   Fixed rate quotes are held 60 days from the day the application is submitted. If settlement occurs after 60 days, the prevailing fixed rate will apply.
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