Variable Rate Home Loan from 5.33% p.a. (CR 5.45%), Up to $3,000 Bank Cashback Extended to 31/7 @ Bank of China

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Variable Rate Home Loan from 5.33% p.a. (CR 5.45%), Up to $3,000 Bank Cashback Extended to 31/7 @ Bank of China
Go to Deal
AssociatedRannar @ Rannar Financial Services on 28/05/2025 - 06:56 bankofchina.com (276 clicks)
Last edited 28/05/2025 - 11:51 by 1 other user

Bank Cashback Offer + Broker Bonus!

Refinance Cashback
Offer extended to 31 July 2025
$2,000 for loans $400K–$1M
$3,000 for loans over $1M

🏡 Property Purchase Cashback
Offer extended to 31 July 2025
$2,000 cashback for loans $400K+

✔️ Can get both refinance & purchase cashback (1 per type per customer every 12 months)
✔️ New security property required
✔️ Loan repayments must be direct debited from a Bank of China account
✔️ First year annual fee waived on loans ≥ $400K

Apply: 3 June – 31 July 2025
Settle by: 30 Sept 2025
Excludes construction loans

Interest Rates
Owner Occupied P&I: 🔹 5.43% var (CR 5.50%)
Investor P&I: 🔹 5.73% var (CR 5.8%)
Investor I/O: 🔹 5.83% var (CR 5.9%)

Annual Package Fee:
$190 (no offset)
$395 (with offset)

Green Energy Discount
Get 0.10% off if the property has:
Solar Panels
Solar/Heat Pump Hot Water Systems

Plus: Broker Bonus
🔹 0.10% of Net Loan Amount
🔹 Paid in 2 instalments: Month 13 & 25 post-settlement

Compare Other Cashback Offers
ANZ – $2,000 Refi / $3,000 FHB (Min $250K)
ME Bank – $3,000 Refi (Min $700K, per property)
BOC – Up to $3,288 Refi (Min $400K, per property)
Australian Military Bank – $3,000 Cashback (Refi or Purchase, Min $250K)
Macquarie – No cashback, sharp fixed rates from 5.14% p.a.

Get in Touch with Sach at Rannar Loans
Email: [email protected]
Mobile: 0479 181 437
Website: www.rannar.com.au
Online Form: Apply
Sachin Mehta – Credit Representative #541742
Under ACL 384324

Financial Cashback Home Loan Loan Refinance

Related Stores

Bank of China
Bank of China
Rannar Financial Services
Rannar Financial Services
Third-Party

Comments

  • Wiadro on 28/05/2025 - 06:58
    -6

    Don’t bother posting home loan deals till the rate is under 5%

    • inasero on 28/05/2025 - 08:42
      -2

      Yeah? What's your home loan rate buddy?

      • Duckie2hh on 28/05/2025 - 09:32

        What's yours?

        • inasero on 28/05/2025 - 22:32

          I'm not the one complaining about home loan rates >5%

  • OpulentLace on 28/05/2025 - 07:03
    +2

    Garbage eye catching emojis should be negged…

  • Commodore64 on 28/05/2025 - 07:04

    Should change user to ChatGPT

  • michael9865 on 28/05/2025 - 07:12
    +1

    Bank of china lol, i was atleast think it would be under 3% if it's China.
    Everyone should avoid this as more expensive

  • rarelyscene on 28/05/2025 - 07:31

    So it only 5.33% if property has solar and solar/heat pump HWS?

    What are Bank of China’s processing times for a purchase?

    • D0nny on 28/05/2025 - 07:56
      +5

      Last time I checked they took 8-10 weeks. You get what you pay for..

  • b0nd on 28/05/2025 - 08:19

    China hmm, how long will the bank last/sustain?

    • King Steuart on 28/05/2025 - 08:27
      +3

      About 3 Winnie the Pooh's

      King Steuart on 28/05/2025 - 08:27 (Collapsed - Offtopic. Show)
    • mengqing on 28/05/2025 - 08:54
      +1

      did a quick chatgpt search and found that the Bank of China started a year after CBA, so it has existed for nearly as long.

    • Duckie2hh on 28/05/2025 - 09:31
      +1

      It has an ADI license… so no different regulatory wise from other banks. Anyway they are loaning you money. Why would you care if they collapse.

      • tunzafun001 on 28/05/2025 - 11:08

        I guess because they hold your property title?

        ie. You pay off 99% of the loan….they collapse…..no title.

        • Duckie2hh on 28/05/2025 - 11:10

          Well 99.99% of the time, they will try to salvage any assets. Meaning they will on sell any loans to another provider.

        • RTX9090Ti on 31/05/2025 - 11:08

          don't see why its the borrowers problem, if borrower can still pay.

          good loans can be sold to another investors.

  • eltito on 28/05/2025 - 08:19
    +4

    I did a quick google on specifically Australian Military Bank – $3,000 Cashback (Refi or Purchase, Min $250K), and according to their website, this only applies to investment home loans, not owner-occupier. Might be worth noting that OP

  • Iwantfly on 28/05/2025 - 08:48
    +1

    Whether BOC stands for Bank of China?If yes, then the refinance bonus would be $3,288 or $3,000?

    It is confusing.

  • star-ggg on 28/05/2025 - 09:37

    Still 6 months lead time from application to settlement?

  • USER DC on 28/05/2025 - 14:42

    are we able to get cashback bonus for refinancing ? if the loan amount is very low ?? say under $190K ?

    like idk may be get an equity loan, just to get above min loan amount ? and keep that extra funds in loan account ??

    Currently on a decent ish rate from westpac

  • GuyfromMelbourne on 29/05/2025 - 12:48

    This is a better deal I reckon. Way better cashback from broker, unless your loan is between $400K & $500K.

    • RTX9090Ti on 31/05/2025 - 11:09

      $2k cashback minimum is ain't much, you will spend almost $1k on fees. $3k minimum should be sweet spot.

      • GuyfromMelbourne on 31/05/2025 - 12:43
        +1

        Mate that one has 4K cashback. 2k from bank and 2k from broker. Maybe more, depending on loan amount.

        • RTX9090Ti on 31/05/2025 - 14:40

          Wow, never heard of broker bonus before, that's pretty good.

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