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Home Loan Interest Rates Investment Property (Effective from 08/07/2022)

2022-07-08

Current Offers for Investment Home Loan 
Repayment Type Loan Type Rates p.a. Offset
Australian Income
Annual percentage rate Comparison rate1
Principal and Interest  Standard Investment Variable Rate Home Loan 5.20% 5.25% -
Discount Investment Home Loan 4.07%3 4.28% -
Discount Plus Investment Home Loan 3.53%3 3.95% Full
1 Year Fixed Rate 5.29% 5.41% -
2 Year Fixed Rate 6.09% 5.57% -
3 Year Fixed Rate 6.59% 5.79% -
4 Year Fixed Rate 6.89% 6.01% -
5 Year Fixed Rate 6.99% 6.18% -
Interest Only2 Standard Investment Variable Rate Home Loan 5.20% 5.25% -
Discount Investment Home Loan 4.37%3 4.58% -
Discount Plus Investment Home Loan 3.83%3 4.25% Full
1 Year Fixed Rate 5.59% 5.44% -
2 Year Fixed Rate 6.29% 5.61% -
3 Year Fixed Rate 6.79% 5.84% -
4 Year Fixed Rate 6.99% 6.05% -
5 Year Fixed Rate 7.19% 6.27% -

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 8 July 2022 and are subject to change. Fees and Charges and Terms and Conditions apply and are available on request. Approval is subject to lending criteria.

4.Rates available for applications received from 8 July 2022 to 30 September 2022, and settled before 31 December 2022 with an LVR ≤ 80%. 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 287322.

For more information refer to our Home Loan Product Sheet at retail branch or at bankofchina.com/au or phone Bank of China (Australia) Limited on (02)92123877/ (03)96023655 / (07)32218888.

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