Bank of China Australia home loan rates
BANK OF CHINA (AUSTRALIA) LIMITED · ACL 287322 · Bank
Rates as at 2026-10-20. 38 rates across 14 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Discount Home Loan (With Principal and Interest Repayment) (2 tiers) | 6.18–7.94% | 6.38–8.13% | Variable | Owner occupier | P&I | min advertised |
| Discount Plus Home Loan (with Principal and Interest Repayment) (2 tiers) | 6.18–7.94% | 6.56–8.30% | Variable | Owner occupier | P&I | min advertised |
| Discount Investment Home Loan (With Principal and Interest Repayment) (2 tiers) | 6.38–8.25% | 6.58–8.44% | Variable | Investment | P&I | min advertised |
| Discount Plus Investment Home Loan (with Principal and Interest Repayment) (2 tiers) | 6.38–8.25% | 6.76–8.60% | Variable | Investment | P&I | min advertised |
| Discount Investment Home Loan (with Interest Only Repayment) (2 tiers) | 6.58–8.25% | 6.78–8.44% | Variable | Investment | Interest only | min advertised |
| Discount Plus Investment Home Loan (with Interest Only Repayment) (2 tiers) | 6.58–8.25% | 6.95–8.60% | Variable | Investment | Interest only | min advertised |
| Discount Home Loan (with Interest Only Repayment) (2 tiers) | 6.88–7.94% | 7.08–8.13% | Variable | Owner occupier | Interest only | min advertised |
| Discount Plus Home Loan (with Interest Only Repayment) (2 tiers) | 6.88–7.94% | 7.25–8.30% | Variable | Owner occupier | Interest only | min advertised |
| Standard Variable Rate Home Loan | 8.64% | 8.71% | Variable | Owner occupier | P&I | — |
| Standard Investment Variable Rate Home Loan | 8.95% | 9.02% | Variable | Investment | P&I | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Fixed Rate Home Loan (With Principal and Interest Repayment) | 6.59% | 8.38% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Fixed Rate Home Loan (With Principal and Interest Repayment) | 6.59% | 8.20% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Fixed Rate Home Loan (With Interest Only Repayment) | 6.69% | 8.39% | Fixed | Owner occupier | Interest only | 1 yr fixed |
| Fixed Rate Home Loan (With Interest Only Repayment) | 6.69% | 8.22% | Fixed | Owner occupier | Interest only | 2 yr fixed |
| Fixed Rate Investment Home Loan (With Principal and Interest Repayment) | 6.69% | 8.66% | Fixed | Investment | P&I | 1 yr fixed |
| Fixed Rate Investment Home Loan (With Principal and Interest Repayment) | 6.69% | 8.46% | Fixed | Investment | P&I | 2 yr fixed |
| Fixed Rate Home Loan (With Principal and Interest Repayment) | 6.79% | 8.09% | Fixed | Owner occupier | P&I | 3 yr fixed |
| Fixed Rate Home Loan (With Principal and Interest Repayment) | 6.79% | 7.96% | Fixed | Owner occupier | P&I | 4 yr fixed |
| Fixed Rate Home Loan (With Principal and Interest Repayment) | 6.79% | 7.85% | Fixed | Owner occupier | P&I | 5 yr fixed |
| Fixed Rate Investment Home Loan (With Interest Only Repayment) | 6.79% | 8.67% | Fixed | Investment | Interest only | 1 yr fixed |
| Fixed Rate Investment Home Loan (With Interest Only Repayment) | 6.79% | 8.48% | Fixed | Investment | Interest only | 2 yr fixed |
| Fixed Rate Investment Home Loan (With Principal and Interest Repayment) | 6.79% | 8.30% | Fixed | Investment | P&I | 3 yr fixed |
| Fixed Rate Investment Home Loan (With Principal and Interest Repayment) | 6.79% | 8.15% | Fixed | Investment | P&I | 4 yr fixed |
| Fixed Rate Investment Home Loan (With Principal and Interest Repayment) | 6.79% | 8.01% | Fixed | Investment | P&I | 5 yr fixed |
| Fixed Rate Home Loan (With Interest Only Repayment) | 6.99% | 8.15% | Fixed | Owner occupier | Interest only | 3 yr fixed |
| Fixed Rate Home Loan (With Interest Only Repayment) | 6.99% | 8.04% | Fixed | Owner occupier | Interest only | 4 yr fixed |
| Fixed Rate Home Loan (With Interest Only Repayment) | 6.99% | 7.94% | Fixed | Owner occupier | Interest only | 5 yr fixed |
| Fixed Rate Investment Home Loan (With Interest Only Repayment) | 6.99% | 8.36% | Fixed | Investment | Interest only | 3 yr fixed |
| Fixed Rate Investment Home Loan (With Interest Only Repayment) | 6.99% | 8.22% | Fixed | Investment | Interest only | 4 yr fixed |
| Fixed Rate Investment Home Loan (With Interest Only Repayment) | 6.99% | 8.10% | Fixed | Investment | Interest only | 5 yr fixed |
Conditions worth checking. No Minimum Loan Amount | Max 90% with LMI | Eligibility: Individuals Minimum Loan Amount AUD 150,000 | Max 90% with LMI | Eligibility: Individuals Minimum Loan Amount AUD 100,000 | Max 90% with LMI | Eligibility: Individuals