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Fixed Rate Home Loan (With Interest Only Repayment)

Fixed Rate Home Loan (With Interest Only Repayment)

Home loansBank updated 4 Nov 2026
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At a glance

Max LVR
90%
Features
redraw, extra repayments

Rates

Every rate Bank of China publishes for this home loan, 5 in all.

TypeApplies toTermBandRateComparisonConditions
Fixed1 Year Fixed RateOwner occupied, Interest only1 yr fixed-7.09%8.65%-
Fixed2 Year Fixed RateOwner occupied, Interest only2 yrs fixed-7.09%8.49%-
Fixed3 Year Fixed RateOwner occupied, Interest only3 yrs fixed-7.29%8.41%-
Fixed4 Year Fixed RateOwner occupied, Interest only4 yrs fixed-7.29%8.30%-
Fixed5 Year Fixed RateOwner occupied, Interest only5 yrs fixed-7.29%8.20%-

Rate changes

10 changes logged, newest first.

DateRateWasNowChange
5 Nov 2026Fixed, Owner occupied, Interest only, 1 yr fixed6.69%7.09%up 0.40
5 Nov 2026Fixed, Owner occupied, Interest only, 2 yrs fixed6.69%7.09%up 0.40
5 Nov 2026Fixed, Owner occupied, Interest only, 3 yrs fixed6.99%7.29%up 0.30
5 Nov 2026Fixed, Owner occupied, Interest only, 4 yrs fixed6.99%7.29%up 0.30
5 Nov 2026Fixed, Owner occupied, Interest only, 5 yrs fixed6.99%7.29%up 0.30
23 Sept 2026Fixed, Owner occupied, Interest only, 1 yr fixed6.39%6.69%up 0.30
23 Sept 2026Fixed, Owner occupied, Interest only, 2 yrs fixed6.39%6.69%up 0.30
23 Sept 2026Fixed, Owner occupied, Interest only, 3 yrs fixed6.79%6.99%up 0.20
23 Sept 2026Fixed, Owner occupied, Interest only, 4 yrs fixed6.79%6.99%up 0.20
23 Sept 2026Fixed, Owner occupied, Interest only, 5 yrs fixed6.79%6.99%up 0.20

Each change is logged the night it appears in the rates Bank of China publishes. See how every lender answered the RBA on the rate tracker.

Fees

One fee published, grouped by when they're charged.

While you hold it1

  • Annual Fee
    $190

Features

RedrawExtra repaymentsDigital banking

Eligibility and limits

  • Available to individuals
  • Amount from $150,000, no maximum
  • Maximum LVR 90%

Published by Bank of China under the Consumer Data Right, last changed by them on 4 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.