Every loan has to be assessed on it's on merits (your personal financial circumstances). I often say home loans are akin to weekly sales in Coles or other major outlets. They are available for short periods, provide a saving and they can often be utilised. That being said, your broker will be able to guide you around pitfulls or issues that relate to each bank and it's products. Many of my recent clients have signed with Citibank in recent times, but that is not to say this will happen tomorrow. Your question must go much deeper than understanding whether or not Citibank is good or bad.