Fixed Rate Home Loans - Citibank - 2 yr fixed Self Certification

This loan is suitable for
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.

Home Loan Loan Term
Minimum term 1 year
Maximum: 30 years.

Home Loan Loan Size
Minimum $50K
Maximum $2.5M for Category 1 locations.
Category 2 - $750K
Category 3 - $500K (up to 80% LVR) all states
WA & SA & Tas & NT Maximum $750K (per 1 security) anything outside of this range please refer to BDM.

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Home Loan Repayment Type
Principal and Interest and Interest Only

Repayment Options
Standard Interest Only & Principal & Interest

Extra Repayments
Variable Rate: Can be made at anytime, No Minimum and without penalty.
Fixed Rate: Penalties may apply - refer to FEE SCHEDULE section for further details.

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Split Loan Facility
Yes $150 Fee per request. Payable when a product is split into additional accounts. The overall facility cannot exceed 4 loan accounts.
Fee is waived when part of a Mortgage Plus Package.
Minimum split $20K. Maximum 4 splits.. Multiple splits of one option available.

Offset
Not available under self certified loans.

Redraw Facility
Yes - Anytime on variable rate products.

LVR for Fixed Rate Home Loans - Citibank - 2 yr fixed Self Certification

Self Certified Max LVR 80% plus LMI, regulated and unregulated loans

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Fees for Fixed Rate Home Loans - Citibank - 2 yr fixed Self Certification

Establishment Fee: $399
Settlement Fee $250 (displayed as Mortgage Prep Fee)
Monthly Service Fee: $8 per month per account for Standard Variable, Standard Fixed and Standard Offset loans and $12 per month per account for Mortgage Power loans
Product change: $300
EPO or Interest Equalisation may apply to a mid-term rate break on
Fixed Rate loan.
Additional Fees and Charges may apply.
Substitution of Security - is Available
Substitution of Security Fee: $450 (covers 1 valuation only)
Stamp duty applies to any additional borrowings. If the new security is in another state, then full stamp duty will apply.
Government registration fees apply and vary from state to state.

Self Certified Deferred Establishment Fee
< 12 months after settlement: Min $2000. Max $3000.
> 12 < 24 months after settlement: Min $1500. Max $2500.
> 24 < 36 months after settlement: Min $1000. Max $2000.