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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compare Bank of China
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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.

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 service.uk@bankofchina.com. Alternatively, ou can write a letter to 1 Lothbury, London, EC2R 7DB.

Compare Bank of China using a mortgage broker.

There are huge benefits to choosing to use a mortgage broker to help you get the right deal. They will do all of the hard work and research for you. They are experts in comparing the hundreds of loans and lenders out in the market based on your individual needs and eligibility, so you won’t have to worry about being forced into a deal. Your broker will also negotiate with your chosen lender on your behalf to make sure you are getting the right deal for you.

L&C work with over 80 different mortgage lenders, including Bank of China, giving you a great opportunity to compare different mortgage deals in the market. To apply for a mortgage through L&C click the link below.

L&C Mortgage Advice

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L&C is a specialist broker offering mortgage comparison & free advice.

  • Compare over 80 mortgage lenders
  • Fee FREE mortgage advice
  • Personal customer service from start to finish
  • Open 7 days a week
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L&C are authorised and regulated by the Financial Conduct Authority (reg no. 143002). Please note the FCA does not regulate most Buy to Let mortgages.

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