Bank of China Home Loans as of July 2026

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
5.93% p.a.
6.31% p.a.
$2,975
Principal & Interest
Variable
$395
$0
80%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • More details
6.13% p.a.
6.51% p.a.
$3,040
Principal & Interest
Variable
$395
$0
80%
  • Investor
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • More details
6.13% p.a.
6.51% p.a.
$2,554
Interest-only
Variable
$395
$0
80%
  • Investor
  • Variable
  • Interest-only
  • 20% Min Deposit
  • More details
6.29% p.a.
8.34% p.a.
$3,092
Principal & Interest
Fixed
$190
$0
90%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 10% Min Deposit
  • More details
6.29% p.a.
8.13% p.a.
$3,092
Principal & Interest
Fixed
$190
$0
90%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 10% Min Deposit
  • More details
6.39% p.a.
7.98% p.a.
$3,124
Principal & Interest
Fixed
$190
$0
90%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 10% Min Deposit
  • More details
6.39% p.a.
7.81% p.a.
$3,124
Principal & Interest
Fixed
$190
$0
90%
  • Owner Occupier
  • Fixed 4 Years
  • Principal & Interest
  • 10% Min Deposit
  • More details
6.39% p.a.
7.67% p.a.
$3,124
Principal & Interest
Fixed
$190
$0
90%
  • Owner Occupier
  • Fixed 5 Years
  • Principal & Interest
  • 10% Min Deposit
  • More details
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Important Information and Comparison Rate Warning

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