Home financing
Whether you seek to acquire a new property, refinance an existing mortgage, or unlock liquidity from your holdings, we can help meet your real estate financing needs.
Residential real estate can be a valuable component within your overall wealth strategy.
In recent years, our clients have increasingly sought properties in key locations around the world, whether for their own use, investment purposes, or as a way to store wealth.
We offer a comprehensive approach to financing and structuring home buying transactions.
Our dedicated team specialize in mortgages for ultra high net worth individuals and families and coordinate all aspects of the lending process until your transaction closes.
They begin the process by understanding your objectives and then customize a financing strategy aligned to your unique circumstances.
Among the benefits of our private bank mortgages are competitive interest rates, no maximum loan amount,1 and a sliding loan-to-value scale that reflects loan amounts and liquidity. We draw upon in-depth knowledge of key local property markets worldwide and our expertise in cross-border financing.
Your dedicated mortgage specialist partners with you to understand your unique objectives, develop a tailored financing strategy, and coordinate all aspects of the lending process.
How we serve you
TAILORED FINANCING STRATEGIES
We design innovative mortgage structures to fit your overall financial strategy.
Our offering includes fixed and adjustable rate mortgages, interest-only options,1 dual-collateral mortgages, blanket mortgages, laddered loans and bridge financing.
We can assist in complex financial situations, including where there are multiple sources of income or alternative ownership structures.
We can also provide pre-approvals, which may give a negotiating advantage.
UNIQUE PROPERTIES
Our clients frequently seek to acquire out-of-the-ordinary homes.
We have a deep understanding of the issues and challenges posed by many one-of-a-kind properties, the likes of vineyards, country estates, farms and ranches.
Our expertise and flexibility allow us to consider lending in situations where other lenders may not.
INTELLIGENT OWNERSHIP
Structuring the ownership of your property can help ease transitions, protect your privacy, and safeguard against legal challenges.
Working with your independent legal and tax advisors, our wealth planners can explore appropriate structures for your unique circumstances.
Possibilities include trusts, partnerships and limited liability companies, both on- and off-shore.
We can also help manage, oversee, and administer assets on your behalf.
Meet our people
Murtuza Rasiwala
Meet our wealth expert
Murtuza is responsible for overall management of the margin lending offering across Wealth, including product and platform development, origination, and structuring.
He also heads the residential real estate/mortgage team responsible for mortgage origination, underwriting and operations, as well as interface with third-party mortgage servicers.
Previously, Murtuza was Head of Deposits and Mortgages for Citi Private Bank and Wealth at Work Americas.
With nearly two decades of private banking experience, he also led private assets lending and margin and securities-backed lending, working with clients across all global regions.
Murtuza has an MBA in Finance from Nanyang Technological University Singapore. He also holds the Chartered Financial Analyst qualification.
Jeffrey S. Arestivo
Meet our wealth expert
Jeff leads a team of 47 mortgage specialists and loan officers who structure loans for clients across the region.
In his 30-year career with Citi, he has held a variety of roles, including Mortgage Director for Citibank North America, in which he led and grew a 500-person mortgage sales team. Jeff also served as Chief Administrative Officer for Citibank North America National branches, and as area director for all downtown Manhattan retail branches for 5 years. He started his career with CitiMortgage as a mortgage consultant.
Jeff has a bachelor’s degree in marketing from the University of Scranton and an MBA from Adelphi University.
Tracy Jackson-Kitt
Meet our wealth expert
Tracy is responsible for our Residential Real Estate offering across the region, originating and structuring client solutions. She is a Senior Credit Officer for the Private Bank.
Previously, Tracy was a Regional Senior Credit Officer, working with Citi’s Consumer Risk team in London, covering residential mortgages across Western Europe, Eastern Europe and Middle East.
She joined Citi in 1999 as a Credit Risk Manager in Consumer Finance UK, with portfolio management responsibility for residential mortgages and personal loans for the UK.
Tracy holds an MBA, is a Chartered Manager, Certified Mortgage Arranger and is an Associate of the Chartered Institute of Credit Management.
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