
Bank of China – 5.93% p.a. Owner Occupier P&I (6.31% CR) / 6.33% Investment IO + $2,888 Cashback + Broker Cashback
If you're refinancing or buying before year's end, Bank of China is throwing $2,888 cashback at you — and that's before the extra broker bonus kicks in.
- Owner occupiers paying principal & interest get 5.93% p.a. (6.31% comparison rate) on loans $100k+
- Investors on interest-only score 6.33% p.a. (6.53% comparison rate) for loans $250k+
- Stack the broker cashback on top ($101 per $100k) and a $600k loan lands you around $3,494 total
- Apply between 1 Oct and 31 Dec 2026, settle by 31 Mar 2027, and hold the loan through the clawback period (18–24 months)
First-year annual fee is $0 if you set up direct debit from a BOC account, and it's a free broker service — so you've got nothing to lose by asking Sach at Rannar Loans (0479 181 437) whether this stacks up against your current lender.















