Bank of China UK Mortgages

View the complete range of mortgages currently on offer from the Bank of China. Compare their whole range of mortgage products side-by-side from variable rate, fixed rate, tracker and buy to let mortgages. Use the search facility to view the whole range of mortgages on offers UK wide.


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Bank of China UK Mortgages

The Bank of China is a growing presence in the British mortgage market and have been expanding their products and services since 2009. In this guide, we’re going to explore those mortgage offerings, and explain a little more about The Bank of China. Read on to find out more.


The Bank of China opened its first UK branch in London during 1929, and according to its website, this was the first overseas branch to be opened. While the bank’s reputation has grown over the years, it wasn’t until 2007 that the Financial Services Authority gave it approval.

The Bank of China offers a selection of residential and buy-to-let mortgages, although customers will need to seek them out through a mortgage broker or directly from a branch in the UK. Furthermore, customers wishing to apply for a mortgage from Bank of China need a current account with The Bank of China (UK) so they can make repayments directly into their mortgage account.

Products & features

The Bank of China currently offer 3-year fixed rate mortgages and lifetime tracker mortgages. Typically, both these mortgages are available for both residential and buy-to-let customers, however there are some exceptions to the rule.

3-year fixed rate mortgages are available to first time buyers , second time buyers (neither of which are available for buy-to-let borrowers) and remortgaging customers. There is a maximum mortgage term of 30 years on a capital and interest repayment basis and you can borrow up to a maximum of 80% Loan to Value for residential purposes. If you are remortgaging for buy-to-let, you can borrow up to 75% Loan to Value for Buy to let purposes. Finally, large loans of up to £5 million available, and there is an unlimited overpayment facility.

The Bank of China Lifetime Tracker Mortgages offer capital and interest repayments on maximum mortgage terms of 30 years. Like the fixed term mortgages, the Bank will lend borrowers a maximum of 80 percent loan to value for a residential mortgage, and 75 percent loan to value if you are going down the buy-to-let route. Borrowers can expect loans of up to £5 million, and there is also an annual overpayment facility. Customers using this facility can overpay 20 percent of the original loan amount every year. Finally, if you apply for your mortgage in-branch rather than through a mortgage broker, you may be offered an offer to assist you with your legal fees in the application process.


The Bank of China (UK) offers a good product range, and promises a bespoke service all the way through the application process. It’s a good mortgage provider for overseas customers, too, as it takes applications from all over the world. The website lists overseas applications are taken from Singapore, Malaysia, Taiwan, and, of course, China, amongst other locations.