Your browser does not support JavaScript! Pls enable JavaScript and try again.
Mortgage Plus Package

Mortgage Plus Package

Request a call

Why choose the Mortgage Plus Package feature?

Make the most of being a Citi Home Loan customer and enjoy a range of our rewarding financial products, plus great discounts, with your choice of any Standard Home Loan, any eligible Citi Credit Card with reduced annual fees, and a Citibank Plus Transaction Account.


No application or monthly account keeping fees, along with reduced costs to vary your home loan in the future.

Loan Portability

Your home loan can easily be transferred to a different property.

Product Combination

Combine any standard home loan products (Standard Variable, Standard Offset, or Standard Fixed) with no monthly Account keeping fees, plus an eligible reduced annual fee credit card and a Citibank Plus transaction Account. 

Plus a Citi Credit Card

  • Your choice of an eligible Citi Credit Card3 with zero or reduced annual fees.
  • Complimentary International Travel Insurance4 for you and your family.

Plus a Citibank Plus Transaction Account

  • Our fee-free Citibank Plus Transaction Account is a basic bank account ideal for all your day to day banking needs, shopping online, in store and overseas5.


Learn More

View home loan rates


Home Loan Application Fee - $0

Minimum Loan Amount - $350,000

Mortgage Account Keeping Fees - $0

Settlement Fee - $250

Annual Package Fee - $3502
Irrespective of the number of home loan accounts
(up to a maximum of 4 within the facility).

Ready to take the next step?

Request a call

Other home loans

Basic Home Loan

A low variable rate home loan with the ability to make extra repayments and pay off your loan faster at no extra cost.                                                                         

Learn More

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 variable home loan with a flexible interest rate that allows you pay off you 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

Can't find what you're looking for? Contact us

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.

Fees and charges apply for our credit card and home loan products, and terms and conditions apply and are available upon request. Home loan offers apply to residential loans only. Loans are subject to our Credit Criteria. Rates and rate reductions offers are available for new loans only and are subject to change without notice. Establishment fees and, where applicable, legal fees apply. The Mortgage Plus Package is not offered with Basic Variable home loans or stand alone Standard Fixed Rate loans. The Citibank Plus Transaction Account is not mandatory if you have a Standard Variable Offset home loan.

1.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.

2. Annual package fee of $350 as at 1 May 2017. This fee is still payable even if you cease to hold either the Citi Credit Card and/or the Citibank Plus Transaction Account.

3. Offer only available to customers who take out a Mortgage Plus Package. Credit card is subject to our credit criteria and approval. Terms and Conditions apply.

4. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. 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”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance

5. Citibank Plus Transaction Account is issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686. The fees and charges and Terms and Conditions that apply are available upon request. We do not charge Citibank Plus Transaction Account holders a fee when they withdraw funds from an international ATM or use their Citi branded Debit Card to make in-store purchases overseas. Customers may be charged by the third party provider, which we do not control.  The Citibank Plus Transaction Account is for personal use only (not available for business customers). NAB is an Authorised Deposit-taking Institution (“ADI”).  Under the Australian Government’s Financial Claims Scheme your deposits with NAB may be guaranteed up to $250,000 per account holder per ADI. Citigroup Pty Limited holds no deposits.

6. Interest only repayment option only available to loans secured by an investment property.
All information contained on this webpage is general in nature and is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on the information contained in this document you should consider if it is appropriate for your particular circumstances. You should also obtain and consider the relevant product disclosure statements and terms and conditions before you make a decision about any financial product, and consider if it is suitable for your objectives, financial situation, or needs.  

Show more