Citibank Fixed Rate Home Loans

Main Features and Fees...

Company
Interest Rate	Enquire Here
Products Available	1,2,3,4 and 5 year fixed rate home and investment mortgages
Offset Account	NA
Redraw Facility	NA
Extra Repayments	Yes for variable and fixed. penalties may apply for fixed
Lump Sum Repayments	Yes for variable and fixed. penalties may apply for fixed
Product Change	Yes, $300 fee applies plus
Portability	Yes for $450
Construction	No
Split Loan Facility	Yes up to 4 accounts and $150 per request
Principle and Interest Payments	Yes, not for line of credit (mortgage power)
Interest Only Payments	Yes
FEES
Upfront Fees	$649, Nil for Mortgage Plus and Mortgage Power
Ongoing Fees	$8 per month variable, fixed and offset loans and $12 for mortgage power, $350 for Mortgage Plus and Mortgage Power
Early Exit Fees	< 12 Months - $1500, 12 to 24 months - $1,200, 24 to 36 months - $1,000 Break fees apply for fixed rates
Discharge of Mortgage Fees	None supplied

Notes

Complete a Self Certified Declaration and application form. Income to be declared. Regulated and unregulated. Borrower must have an active ABN for a minimum of 2 years, BAS statements are required with a 12 month continuous period and at least 12 months registration for GST is required.

Self Certified incur a higher interest rate

A flexible loan for clients who are unable to provide income documentation to the bank to verify their income.

Mortgage Plus Standard Variable Self Certified

0.50% >$200K < $300K

0.70% >$300K < $500K

0.70% > $500K

Mortgage Plus Mortgage Power Self Certified

0.50% >$200K < $300K

0.60% >$300K < $500K

0.70% > $500K

No rate discounts on Standard Fixed rate loans.

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