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Standard Variable Home Loan

All the flexibility you'll need.

Please note that we are no longer accepting new applications for this product. Our dedicated team is available to support existing customers with any variations and modifications required to your home loan.

Why choose a Standard Variable Home Loan?

A Standard Variable Home Loan allows you to pair with other eligible home loans or incorporate the Mortgage Plus Package feature. The Standard Variable Home Loan is designed to be combined with other products in order to access more features. For a standalone variable product please check out our low-cost Basic Home Loan.

Loan Combination 

Ability to combine with other eligible Citi home loans.


With a variable rate mortgage you can pay more whenever you like, which means you could pay off your loan sooner.


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 account. 


View Home Loan Rates


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

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

Basic Home Loan

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

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

Optimise your home loan.

Check our Calculators and Tools

Help and Support

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.

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. 

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