Interest
5.93%p.a.
Comparison*
6.11%p.a.
Est. repayment
$2,975
LVR ≤80%
Bank of China · Refinance · Updated September 2026
Bank of China Refinance Home Loans, September 2026
Bank of China lists 24 refinance home loans in the Ratesniffers index today. The lowest is 5.93% p.a. (comparison rate 6.11% p.a.), on Discount Home Loan Owner Occupied <=80% LVR P&I Special. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
View Bank of China current productsCompare the live market85+ lenders tracked · ranked by comparison rate · no paid placement
Bank of China refinance home loan rates, September 2026
Bank of ChinaDiscount Plus Home Loan Owner Occupied >$100k <=80% LVR P&I Special
VariableOffsetRedraw
Interest
5.93%p.a.
Comparison*
6.30%p.a.
Est. repayment
$2,975
LVR ≤80%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤90%
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR ≤90%
Interest
6.63%p.a.
Comparison*
Not available
Est. repayment
$3,203
LVR ≤80%
Interest
6.63%p.a.
Comparison*
Not available
Est. repayment
$3,203
LVR ≤80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤90%
Interest
6.39%p.a.
Comparison*
7.65%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
7.65%p.a.
Est. repayment
$3,124
LVR ≤90%
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR ≤90%
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR ≤90%
Interest
6.39%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,124
LVR ≤90%
Interest
6.79%p.a.
Comparison*
7.85%p.a.
Est. repayment
$3,256
LVR not stated
Interest
7.69%p.a.
Comparison*
7.86%p.a.
Est. repayment
$3,561
LVR not stated
Interest
7.69%p.a.
Comparison*
7.86%p.a.
Est. repayment
$3,561
LVR not stated
Interest
7.69%p.a.
Comparison*
7.86%p.a.
Est. repayment
$3,561
LVR not stated
Interest
7.69%p.a.
Comparison*
7.86%p.a.
Est. repayment
$3,561
LVR ≤90%
Interest
7.69%p.a.
Comparison*
7.88%p.a.
Est. repayment
$3,561
LVR not stated
Interest
7.69%p.a.
Comparison*
7.88%p.a.
Est. repayment
$3,561
LVR not stated
Interest
6.39%p.a.
Comparison*
7.95%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
7.95%p.a.
Est. repayment
$3,124
LVR ≤90%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or 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. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Bank of China · Refinance
Bank of China refinance home loans, what to weigh
Bank of China's refinance-eligible products. Compare against your existing rate plus exit costs. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every refinance option has the same price.
See also Bank of China's full product range, repayment calculator, and refinance savings calculator.