Terms and conditions, fees and charges apply. Loan subject to normal lending criteria and approval. Citibank Standard Fixed Mortgage Plus OO P&I Loan, 5 year Fixed <80% LVR has an interest rate of 2.74% p.a. (comparison rate 4.84% p.a.). Rates apply to new applications received from 05/12/2019 however are subject to change at any time. Annual Fee payable at $350 per annum. Establishment fee of $399 applies which includes cost of valuation of up to $500. Other fees and charges may be payable. The Comparison Rate is based on a loan of $350,000 for 30 years. Fees and charges may be applicable. IMPORTANT: The Comparison Rate applies only to the example given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.