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Bank of China Home Loan Rates

Active products
32
Lowest variable
5.93%
Lowest fixed
6.29%
Lowest comparison
5.97%
Last updated
28 July 2026

Bank of China is one of the Australian home-loan lenders we track daily. We currently surface 32 active products from Bank of China, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What is the lowest Bank of China home loan rate?

The lowest Bank of China variable home loan rate Ratesniffers tracks is 5.93% p.a., and the lowest fixed rate is 6.29% p.a. These figures come from the 30 Bank of China products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does Bank of China offer?

Ratesniffers currently tracks 30 Bank of China home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

Bank of China home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I5.93% p.a.5.97% p.a.100%
Variable Owner-occupier P&I5.93% p.a.5.97% p.a.100%
Variable Owner-occupier P&I5.93% p.a.5.97% p.a.100%
Variable Investor P&I6.13% p.a.6.17% p.a.100%
Variable Investor P&I6.13% p.a.6.17% p.a.100%
Variable Investor interest-only6.13% p.a.6.17% p.a.100%
Variable Investor interest-only6.13% p.a.6.17% p.a.100%
Variable Investor P&I6.13% p.a.6.17% p.a.100%
Fixed 1-year Owner-occupier P&I6.29% p.a.6.33% p.a.100%
Fixed 2-year Owner-occupier P&I6.29% p.a.6.33% p.a.100%
Fixed 1-year Owner-occupier interest-only6.39% p.a.6.43% p.a.100%
Fixed 2-year Owner-occupier interest-only6.39% p.a.6.43% p.a.100%

30 Bank of China home loan products

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Advertised rates aren't always the rate Bank of China actually approves. Our broker negotiates against your specific scenario, no fee.

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Who is Bank of China?

Bank of China is one of China's big four state-owned commercial banks, founded in 1912 and restructured into a wholly state-owned commercial bank in 1994. It is China's most globalised bank, operating in 64 countries and regions, and in 2011 became the first bank from an emerging economy designated a Global Systemically Important Bank by the Financial Stability Board.

Its Sydney branch dates back more than seventy years to the Second World War, resumed operations in 1985, and Bank of China (Australia) Limited was established locally in 2005. It now runs branches across New South Wales, Victoria, Queensland, Western Australia and South Australia, offering owner-occupier, investment and refinance home loans and acting as an approved agent for the First Home Owners Grant.

Who suits a Bank of China home loan?

Bank of China tends to suit borrowers who want the backing of one of the world's largest banking groups, including customers with ties to China or cross-border banking needs, alongside mainstream Australian home-loan borrowers. Its variable rates regularly rank among the sharpest in our index, so it is worth shortlisting on price alone, not just for its international footprint.

Background facts checked 23 July 2026. Rates above refresh independently.

Bank of China home loans: frequently asked questions

What is the lowest Bank of China home loan rate?

Bank of China's lowest variable home loan rate is currently 5.93% p.a., and its lowest fixed rate is 6.29% p.a., based on the 30 Bank of China products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Bank of China approves, a broker can often negotiate a sharper deal on your scenario.

How does Bank of China's home loan rate compare to the market?

Bank of China's lowest variable home loan rate today is 5.93% p.a., which is 16 basis points below the market median of 6.09% p.a., which puts Bank of China among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Bank of China sits right now rather than a fixed snapshot.

How many home loan products does Bank of China offer?

Ratesniffers currently tracks 32 Bank of China home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 30 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is Bank of China competitive for refinancing?

It depends on your loan size and LVR. Bank of China's lowest comparison rate is currently 5.97% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Bank of China against the sharpest available rate usually pays off.

How often are Bank of China's home loan rates updated?

Ratesniffers refreshes Bank of China's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Bank of China reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

Bank of China rates by borrower and loan type

The same Bank of China panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

Other lenders you might compare

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Mortgage guides and market context

Plain-English explainers, plus where rates sit across the market today.