Home Loan Interest Rate Owner Occupied Property (Effective from 9 March 2026)
2026-03-09
| Current Offers for Owner-occupier Home Loan Interest Rates(LVR ≤ 80% ) | ||||
|---|---|---|---|---|
| Repayment Type | Loan Type (Australian Income assessment applies) |
Rates p.a. | Other Benefits | |
| Annual percentage rate | Comparison rate1 | |||
| Principal and Interest | Standard Variable Rate Home Loan | 7.89% | 7.95% | - |
| Discount Home Loan | 5.43%3 | 5.64% | - | |
| Discount Plus Home Loan | 5.43%3 | 5.82% | Full Offset | |
| 1 Year Fixed Rate | 5.79% | 7.85% | - | |
| 2 Year Fixed Rate | 5.79% | 7.65% | - | |
| 3 Year Fixed Rate | 6.09% | 7.55% | - | |
| 4 Year Fixed Rate | 6.09% | 7.40% | - | |
| 5 Year Fixed Rate | 6.09% | 7.27% | - | |
| Interest Only2 | Standard Variable Rate Home Loan | 7.89% | 7.95% | - |
| Discount Home Loan | 6.13%3 | 6.33% | - | |
| Discount Plus Home Loan | 6.13%3 | 6.51% | Full Offset | |
| 1 Year Fixed Rate | 6.09% | 7.88% | - | |
| 2 Year Fixed Rate | 6.09% | 7.71% | - | |
| 3 Year Fixed Rate | 6.49% | 7.66% | - | |
| 4 Year Fixed Rate | 6.49% | 7.55% | - | |
| 5 Year Fixed Rate | 6.49% | 7.45% | - | |
| Current Offers for Owner-occupier Home Loan Interest Rates (80%＜LVR≤90%) | ||||
|---|---|---|---|---|
| Repayment Type | Loan Type (Australian Income assessment applies) |
Rates p.a. | Other Benefits | |
| Annual percentage rate | Comparison rate1 | |||
| Principal and Interest | Standard Variable Rate Home Loan | 7.89% | 7.95% | - |
| Discount Home Loan | 7.19%3 | 7.39% | - | |
| Discount Plus Home Loan | 7.19%3 | 7.55% | Full Offset | |
| 1 Year Fixed Rate | 5.79% | 7.85% | - | |
| 2 Year Fixed Rate | 5.79% | 7.65% | - | |
| 3 Year Fixed Rate | 6.09% | 7.55% | - | |
| 4 Year Fixed Rate | 6.09% | 7.40% | - | |
| 5 Year Fixed Rate | 6.09% | 7.27% | - | |
| Interest Only2 | Standard Variable Rate Home Loan | 7.89% | 7.95% | - |
| Discount Home Loan | 7.19%3 | 7.39% | - | |
| Discount Plus Home Loan | 7.19%3 | 7.55% | Full Offset | |
| 1 Year Fixed Rate | 6.09% | 7.88% | - | |
| 2 Year Fixed Rate | 6.09% | 7.71% | - | |
| 3 Year Fixed Rate | 6.49% | 7.66% | - | |
| 4 Year Fixed Rate | 6.49% | 7.55% | - | |
| 5 Year Fixed Rate | 6.49% | 7.45% | - | |
1. The comparison interest rate calculation is based on a designated loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Note: We do not provide credit for an amount of less than $250,000 for Discount Investment Home Loan, $150,000 for Fixed Rate products and $100,000 for Discount Plus Investment Home Loan.
2. For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.
3. Rates and fees are effective from 9 March 2026 and are subject to change. Fees and Charges and Terms and Conditions apply and are available on request. Approval is subject to lending criteria.
Rates available for applications received from 9 March 2026 to 31 March 2026 and settled before 30 June 2026. These rates are available for new borrowers only and are not available to applicants wanting to switch from their existing home loan with the Bank.
Credit provider is Bank of China (Australia) Limited, Australian Credit Licence Number and Australian Financial Services Licence Number 287322. ABN 28 110 077 622.
For more information visit bankofchina.com/au or phone on (02)92123877/ (03)96023655 / (07)32218888.
