Citibank Low Doc Home Loans

Main Features and Fees...

Company
Interest Rate	Enquire Here - Rate discounts apply for different loan amounts
Products Available	Standard Variable, Line of Credit and 1,2,3,4 and 5 year fixed rates
Offset Account	NA
Redraw Facility	Yes free redraws at any time only for variable - 15 free per month then $2
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 or no fee if with Mortgage Plus Package
Portability	Yes for $450
Construction	No for all loans except Mortgage Power
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 - $2K - 3K, 12 to 24 months - $1.5K - $2.5K, 24 to 36 months - $1K to $2K
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.

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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