Bank of China home loans in Australia come from Bank of China (Australia) Limited, the locally incorporated Australian subsidiary of Bank of China Limited. APRA regulates it as an authorised deposit-taking institution in the foreign subsidiary bank category. From its Sydney base, it also offers residential loans to owner-occupiers, investors and refinancers. The bank describes its loan products on the Bank of China Australia website.
This page is a factual profile to help borrowers understand who Bank of China is in Australia and where its home loans may fit. However, it is not a rating, a ranking or a recommendation.
Bank of China at a Glance
| Item | Detail |
|---|---|
| Lender type | Bank (authorised deposit-taking institution), classed by APRA as a foreign subsidiary bank |
| Owned by | Bank of China Limited |
| Founded or established | Bank of China (Australia) Limited registered as an Australian public company in December 2004; the bank describes the subsidiary as established in 2005 |
| Headquarters (city) | Sydney |
| Regulated by | APRA as an ADI (Bank of China (Australia) Limited appears on the APRA register) |
| Listed on the ASX | No. The Australian subsidiary is unlisted; its parent is listed overseas |
| Home loans for | Owner-occupiers, investors and refinancers |
Ownership and History of Bank of China
Bank of China is one of China’s largest banks, and its Australian business operates through two entities: a Sydney branch of Bank of China Limited and a locally incorporated subsidiary, Bank of China (Australia) Limited. The subsidiary’s ABN has been active since December 2004 according to the Australian Business Register, and the bank itself says the subsidiary dates from 2005. In particular, it is the entity that offers personal banking, including home loans, to Australian customers.
Bank of China (Australia) Limited is an Australian public company with its main business location in Sydney. APRA regulates it, and it appears on the APRA register of ADIs in the foreign subsidiary bank category, which means it holds its own Australian banking licence rather than operating under an overseas one. Deposits with an ADI also fall under the Australian Government’s Financial Claims Scheme.
Overall, Bank of China describes its Australian business as offering both retail and wholesale banking. For example, its personal banking range includes home loans, deposit accounts, transaction services and foreign currency accounts, alongside its corporate, trade and remittance services.
Where Bank of China Home Loans May Suit
Based on publicly available information, Bank of China home loans may be worth comparing for:
- Mainstream owner-occupiers and investors looking for a straightforward residential loan from an APRA-regulated bank.
- Borrowers who want a choice of fixed or variable rates. For instance, Bank of China’s range includes fixed rate, standard variable and discounted variable loans for both owner-occupied and investment purposes.
- Investors who want interest-only repayments for a period. In addition, its range includes interest-only options alongside principal and interest.
- Borrowers refinancing an existing home loan, which the bank lists as an accepted loan purpose.
Home Loan Types Bank of China Offers
Public sources confirm that Bank of China offers the following. Product names and features change, so we check current details when you apply:
- Owner-occupied home loans
- Investment property loans
- Refinancing of existing home loans
- Fixed rate loans
- Standard variable and discounted variable rate loans
- Principal and interest or interest-only repayments
Getting a Bank of China Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Bank of China with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Bank of China with the rest of the panel against your deposit, income, property and goals, then explains the options in plain English. We work from Bangor, NSW, serve the Sutherland Shire, and also help borrowers across Australia by phone and video.
To see current Bank of China products, use the lender filter in our comparison tool. When you are ready, contact us for a free, no-obligation chat about whether Bank of China or another lender is the better fit.
Bank of China Home Loan FAQs
Yes. APRA regulates Bank of China (Australia) Limited as an authorised deposit-taking institution, and it appears on the APRA register as a foreign subsidiary bank, so it holds its own Australian banking licence.
Bank of China (Australia) Limited is the Australian subsidiary of Bank of China Limited. It registered as an Australian public company in December 2004 and operates from Sydney.
Bank of China offers home loans secured by residential property for buying an owner-occupied home, buying an investment property or refinancing, with fixed rate, standard variable and discounted variable options, as well as a choice of principal and interest or interest-only repayments.
Bank of China is one of the lenders on the Ingram Financial panel, so Shannon Ingram can compare its residential loans with the other lenders we work with.
Ingram Financial has no ownership ties to Bank of China. Bank of China is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.