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Bank of China's April 2026 promotion offers competitive variable rates and a solid cashback — available for both refinancers and new purchases. At 5.43% p.a. variable (OO), this sits well below the current market average of ~5.8–6.1%.
Bank cashback: $2,888 (min $400k loan, refi or purchase)
+ Extra broker cashback on top:
$101 for every $100,000 of loan balance — so a $600k loan = $606 broker cashback + $2,888 bank cashback = $3,494 total.
Paid in 2 instalments: at month 12 and month 24 post-settlement. Hold the loan through the lender's clawback period (18–24 months). Excludes construction and bridging loans.
Some banks are offering up to $3,000 cashback per property for loans of $700k and above. Our broker cashback is on top of whatever the bank is already offering — not instead of it.
Why go through a broker?
We negotiate the best rate and fee structure on your behalf across all major banks and most non-bank lenders. Completely free service, with faster turnaround times. We act for you, not the bank.
Rates (LVR ≤80%):
Variable OO: 5.43% p.a. (5.64% comp) | Investment: 5.63% p.a. (5.84% comp)
Fixed 1–2 yr: 5.79% OO / 5.89% Inv
Fixed 3–5 yr: 6.09% OO / 6.29% Inv
Offset available at same variable rate
Fees: $190/yr (no offset) or $395/yr (with offset) — first year waived with BOC direct debit
Dates: Apply by 30 Apr 2026 · Settle by 30 Jun 2026'
Refer a friend: Know someone looking to buy or refinance? Earn $200 for a successful referral.'
Enquiries: Sach @ Rannar Loans — 0479 181 437 / info@rannar.com.au
Credit Rep 541742 · ACL 384324
Comparison rates based on $150,000 over 25 years. Rates subject to change. Lending criteria apply. |
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