Finding the best rates…
Bank One
Best available
From 5.43% p.a.
Line-up
30 live products
Compare Bank of China and UBank home loans in March 2026. Bank of China offers rates from 5.43% p.a. across 30 products, while UBank starts at 5.59% p.a. with 61 products. Bank of China currently has the lower rate by 0.16%.
Bank Two
30 live products
Best available rate
Discount Plus Home Loan (With Principal And Interest Repayment) (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.82%
Offset
Included
Redraw
Included
61 live products
Best available rate
Neat - Oo Variable P&i
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.61%
Offset
Not included
Redraw
Included
Live edge
Bank of China is lower on headline home loan rate by 0.16%, which is roughly $67 per month on a $500,000 loan.
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Bank of China | UBank |
|---|---|---|
| Interest rate | 5.43% | 5.59% |
| Comparison rate | 5.82% | 5.61% |
| Offset account | Yes | No |
| Redraw | Yes | Yes |
Every tracked home loans option from Bank of China.
Every tracked home loans option from UBank.
Bank of China's lowest variable rate is 5.43% p.a. (comparison rate 5.82%) while UBank starts at 5.59% p.a. (comparison rate 5.61%). Bank of China is 0.16% lower, which saves approximately $67/month on a $500,000 loan.
Key features: Bank of China includes offset, Bank of China includes redraw, UBank includes redraw.
| Feature | Bank of China | UBank |
|---|---|---|
| Interest Rate | 5.43% | 5.59% |
| Comparison Rate | 5.82% | 5.61% |
| Offset Account | Yes | No |
| Redraw Facility | Yes | Yes |
Common Questions
Bank of China currently offers the lower variable rate at 5.43% p.a. compared to 5.59% p.a. Always check the comparison rate for a true cost picture.
Bank of China offers an offset account. UBank does not include an offset account.
Bank of China's lowest variable rate is 5.43% p.a. (comparison rate 5.82%) on the Discount Plus Home Loan (With Principal And Interest Repayment) (Variable).
UBank's lowest variable rate is 5.59% p.a. (comparison rate 5.61%) on the Neat - Oo Variable P&i.
Best available
From 5.59% p.a.
Line-up
61 live products
| Annual Fee | $395 | $0 |
Bank of China currently offers a 0.16% lower home loan rate.
Keep Comparing
Keep Comparing