Bank of China Mortgage Rates & Fees Comparison

Bank of China offers a range of fixed and variable rate mortgages that could be suitable for you.

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Bank of China (UK) Limited is the UK subsidiary of Bank of China Group. Based in London, it began in 2009 as a mortgage lending service and has since expanded into full financial services provision, with a view in mind to bridge the gap between China and the UK.

Compare Bank of China’s mortgage rates

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Name Product Initial rate Revert rate (SVR) Maximum LTV Borrower type Overall cost for comparison Cashback Apply link
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Bank of China’s buy-to-let mortgage rates

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Overall representative example
If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Lender profile

  • Bank of China is one of the biggest state-owned commercial banks based in China.
  • It has been offering mortgages to UK customers since 2009.
  • It has branches in London, Birmingham, Manchester and Glasgow.

What types of mortgages can I get with Bank of China?

  • Fixed rate
  • With a fixed-rate mortgage, your interest rate remains locked for an set amount of time. After your fixed-rate period ends, you’ll be switched to Bank Of China’s standard variable-rate.

  • Remortgages
  • You can switch from your existing mortgage provider and pay off the rest of your balance to Bank of China using one of its remortgage products.

  • Tracker
  • With tracker mortgages, your interest rate fluctuates based on the Bank of England interest rate.

  • Buy to let
  • A buy-to-let mortgage if you want to borrow money for a second property to let out.

How to apply

You can arrange a meeting with one of the bank’s mortgage experts by calling 0800 3895566 or visiting one of its branches.

What information is needed to apply?

You’ll need to provide a valid passport, proof of address, three months’ worth of bank statements. You’ll need to privode your latest P60 and show three months’ worth of payslips (or thee years’ worth of account if self-employed). Your proof of deposit will also need to be provided.

Eligibility criteria

Bank of China lends to applicants aged between 21 and 65 years old. You’ll need an annual income of least £18,000.

Contact information

You can contact Bank of China UK by calling 0800 38 95566 or emailing Alternatively, ou can write a letter to 1 Lothbury, London, EC2R 7DB.

Frequently asked questions

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