Hotline : 

  • 0800 695 566(Within New Zealand)
  • 0064 9980 9000(From Overseas)
Current Position : Home > BOC NewZealand > Personal Banking > Personal Loans
Online Banking

Home Loans

Buying a home is one of the most important decision in our lifetime. In Bank of China (New Zealand) Limited (“BOCNZ”), a New Zealand incorporated local bank, we endeavor to help our customers to achieve their lifetime goal, owning a home.

We would be happy to help if you are:

  • A first time home buyer;
  • An investor who wants to buy investment properties;
  • Another bank’s existing borrower who wants to refinance to BOCNZ; or
  • Just wanting to find out if we could help with your lending needs

Residential Mortgage Interest Rates

To get our current interest rate, click here:

Floating Rate: flexible interest rate may fluctuate over the duration of the loan. Whenever your loan has the floating interest rate, you may repay the loan early as much as you choose, at any time. You can do this by paying one or more lump sums.

Fix Rate: interest rate remains constant over the agreed fixed period of the loan. It offers customer the benefit of knowing the exact amount of monthly repayments of the loan for an agreed (fixed) period. However, if you repay early of any or all part of the total amount owing during a fixed rate period, you may have to pay break costs.

Repayment Methods

  • Principal and Interest payments
  • Interest Only payments (Investment properties only and subject to approval)

Home Loan Application

To get start for your Home Loan Application, click here:

Contact number: +64 9 980 9016

Email address:


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