$2,000 BOC Refinance Cashback Variable Rate from 5.18% (CR 5.38%) p.a. + 0.10% p.a. Broker Cashback @ Bank of China

New Bank of China Home Loan Promotion!
Bank of China release new rates. This offer is available nationwide across Australia.
We found some rates are relatively competitive in the current market:
Effective date: 16/09/2025
Submitted between: 16/09/2025 to 31/12/2025
Settled by: 31 Dec 2025

Special rates are only applied to all new applications
Cash back offer available for loan applications with minimum loan amount of $400,000 and >80%LVR

Variable Rate: 5.18%
Fixed Rates:

1-2 Years: 4.99%

Investment Loan Rates:

Variable: 5.48% (5.68% CR)
Fixed 1-2 Years: 5.09%

Cashback Offers:

$2,00Refinance Cashback (for loans ≥ $400k)
$2,000 Purchase Cashback (for loans ≥ $400k)

New Home Loans:
A New Home Loan is a loan for the purchase or refinance (of external loan) of an Owner Occupied or Investment Australian residential property (excluding Construction Loans) and does not include loans that are subject to Lenders Mortgage Insurance.

The comparison rate is based on a loan of $150,000 over 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: Minimum loan amount for Discount Plus Home Loan is $100,000. The minimum loan amount for Discount Investment Home Loan is $250,000.

Eligibility:

Applies to all new applications. The new loan must have a new security property to the Bank of China.
You can only get one cashback offer in a 12-month period.
The special rates and cashback are for loans with an LVR of 80% or less.
No special offers for loans that require Lenders Mortgage Insurance (LMI).
Excludes Construction Loans.
Annual Package Fee:
$190 (no offset)
$395 (with offset)

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

Bonus: First-year annual fee is waived if you set up a direct debit for repayments from a Bank of China account.

Compare Other Cashback Offers and Interest Rates
ANZ – $2,000 Refi / $3,000 FHB (Min $250K)
ME Bank – $3,000 Refi (Min $700K, per property)
Suncorp– No cashback, sharp fixed rates from 4.79% p.a.
ING– No cashback, sharp fixed rates from 4.89% p.a.

For more information, contact Sach at
Email: info@rannar.com.au or
Phone: 0479 181 437
Website: www.rannar.com.au

Sach from Rannar Loans is registered as Credit Representative Number is 541742 under Australia's Services Australian Credit License 384324.