Citi Private Bank

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Our services

Our knowledge of the property markets and experience with complex financing enables us to help you borrow against unique properties and structure your ownership appropriately.

We offer highly personalized service, with an emphasis on rapid turnaround times to help you close purchases quickly.


Tailored financing strategies

We design innovative mortgage structures to fit your overall financial strategy.

Our offering includes mortgages and home equity lines of credit, interest-only options*, second mortgages and dual-collateral mortgages.** We can assist in complex financial situations, including where there are multiple sources of income or alternative ownership structures.


Unique properties

We have a deep understanding of the issues and challenges posed by one-of-a-kind properties, such as vineyards and country estates, as well as properties under construction and renovation.

Our expertise and flexibility allow us to consider lending in situations where other lenders may not.


Ownership structures

Structuring the ownership of your property can help ease transitions, protect your privacy and safeguard against legal challenges.

Working with your tax advisor, our wealth planners can explore appropriate structures for your unique circumstances.+

We can also help manage, oversee and administer your assets on your behalf.


Equal Housing Lender

Mortgage loans are provided by Citibank, N.A. NMLS ID 412915 or Citibank International Ltd. A mortgage commitment is subject to credit approval, a satisfactory sales contract, property appraisal, title search, mortgage insurance, if applicable and fulfilment of all closing conditions. To be eligible to apply for these services, you must qualify as a Citi Private Bank client. Nothing contained herein should be construed as a commitment to lend by Citibank, N.A. or any affiliates.


* An interest only loan permits the monthly payment for a period of time to consist only of the interest on your loan plus any applicable taxes and insurance. If you make only the interest payments, then at the end of the interest only period you will (i) owe the original amount borrowed and (ii) have higher monthly payments even if the interest rate stays the same.

**The risk of loss in financing a transaction by deposit of collateral is significant. Citibank, N.A. (“Citi”) will be your lender for this financing and you may sustain losses in excess of your cash and any other assets deposited as collateral with Citi or Citi’s agent. Market conditions may make it impossible to execute contingent orders, such as “stop-loss” or “stop-limit” orders. You may be called upon at short notice to make additional margin deposits. If the required margin deposits are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own financial position and investment objectives. You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. The firm can increase its margin requirements at any time and is not required to provide you advance written notice. You are not entitled to an extension of time on a margin call. 

+ Citigroup Inc. and its affiliates do not provide tax or legal advice. You should seek advice based on your particular circumstances from an independent tax advisor. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.

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