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Bank of China is one of the world’s largest banks and is state-owned. It offers personal and corporate banking services to customers around the world.

Compare Bank of China

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Call NatWest 0800 068 8567
NatWest logo
Fixed Apr-2020 From NatWest
Initial rate 1.38% Apr-2020
Maximum LTV 60%
Overall cost of comparison 3.7% APRC
See deal
FREE VALUATION
NatWest will pay your standard valuation fee
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.44% Apr-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE VALUATION
Post Office will pay your standard valuation fee
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.53% Apr-2020
Maximum LTV 85%
Overall cost of comparison 4.1% APRC
See deal
£500 CASHBACK
£500 CASHBACK, FREE VALUATION (standard valuation fee) and £0 PRODUCT FEE
Call NatWest 0800 068 8567
NatWest logo
Tracker Apr-2020 From NatWest
Initial rate 1.59% Apr-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
FREE VALUATION
FREE VALUATION and FREE LEGALS with this mortgage
Call HSBC 0800 077 4336
HSBC logo
Tracker 2 years From HSBC
Initial rate 1.24% 2 years
Maximum LTV 60%
Overall cost of comparison 3.7% APRC
See deal
Call HSBC 0800 077 4336
HSBC logo
Fixed May-2020 From HSBC
Initial rate 1.32% May-2020
Maximum LTV 60%
Overall cost of comparison 3.6% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.33% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.38% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.38% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call HSBC 0800 077 4336
HSBC logo
Fixed May-2020 From HSBC
Initial rate 1.39% May-2020
Maximum LTV 60%
Overall cost of comparison 3.6% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Bank of China offers mortgages for homeowners and buy to let landlords and is open to first time buyers, existing homeowners and those seeking to remortgage.

If you are considering taking out a mortgage with Bank of China, there are some important details you should get to grips with before making a decision.

Compare Bank of China mortgages

Bank of China offer two main types of mortgages to their customers. Which makes sense for you will depend on your financial needs and personal circumstances. Each type of mortgage comes with the following advantages and restrictions:

Benefits

  • Borrow up to £5million
  • Repay over up to 30 years
  • Make unlimited overpayments
  • Homeowners can borrow up 80% of their home’s value
  • Landlords can borrow up to 75% of the property’s value

Restrictions

To apply for a Bank of China Lifetime Tracker Mortgage you will need:

  • A valid passport
  • Your last 3 months’ bank statements
  • Your last 3 months’ payslips and your last p60 (or your last 3 years’ accounts and latest self-assessment tax form from HMRC)
  • Proof of deposit

Lifetime Tracker Mortgages

Bank of China’s Lifetime Tracker Mortgages offer variable rates of interest tied to the Bank of England base rate. This means the interest rates you pay will go up or down in line with the rate the Bank of England charges banks for overnight lending. This is sometimes called the Official Bank Rate.

Fixed Rate Mortgages

Bank of China also offer 3 Year Fixed Rate Mortgages which offer a fixed rate of interest for the first three years. After this, the rate you pay will be variable. Having a fixed rate can offer some security, by ensuring that know how much you will be paying monthly for the first few years of your mortgage. However, if interest rates go down, you could end up paying more than you would have with a tracker mortgage.

Loan to value ratio

How much you can borrow will depend on your loan to value (LTV) ratio. This represent the total amount of debt, both new and existing, leveraged against your property relative to its market value.

For example, if your property is worth £100,000, you have an existing mortgage of £50,000 and wish to borrow £25,000 more this will give you a loan to value ratio of £75,000/£100,000. This is normally expressed as a percentage, in this case, 75%.

Most lenders will tend to offer better interest rates on their mortgages the lower your loan to value ratio is.

Find the best deals on mortgage rates

At the top of this page you will find our mortgage calculator, which allows you to quickly and easily compare different mortgage deals from across the market. All you need to do is input some basic information, such as why you need a mortgage, how much you would like to borrow and what time period you want to repay over. We will then show you our top picks of the best mortgage deals we can find, making is easier for you to compare and contrast the different offers.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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