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Home Loan Refinance Calculator

Refinance your property to enjoy greater savings. Use our home loan refinance calculator ro check your savings before switching to another bank.

Refinance your home loan in just a few steps

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Top 5
Variable rates
Fixed rates
Sibor/SOR
Take a look at the recommended packages below. These Top 5 refinance packages are based on $800,000 loan amount for Private property, with 20 years tenure.
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one or more
Description Year 1
Monthly
Year 2
Monthly
Year 3
Monthly
Thereafter
Monthly
More
Details
Best Home Loan Package
LOWEST YEAR 1 FIXED DEPOSIT LINKED FLAT HOME LOAN (REFINANCE)
+ Pegged to fixed deposit rate for stability.
$3,780
(1.28%)
$3,815
(1.38%)
$3,848
(1.48%)
$3,949
(1.80%)
+
 
Interest Rate
Year 1 : FDMR36 + 0.08%
Year 2 : FDMR36 + 0.18%
Year 3 : FDMR36 + 0.28%
Year 4 : FDMR36 + 0.60%
Year 5 : FDMR36 + 0.60%
Penalty
3 years Lock In
Legal Subsidy
$1,600
Perks
Legal subsidy subject to approval.
Remarks
Loan Purpose - Refinance
For - Private Residential, Executive Condominium in Singapore
Minimum Loan Tenure - 5 years
Valuation Fee - Depending on property type

Promotional package is available for a limited period only.

Package is subject to change at the Bank's absolute discretion without prior notice. Credit facilities are granted at sole discretion of the bank. Terms and conditions apply.

This is for information only. Please note that this does not constitute an offer of any facility by the bank.

Last updated: 18/05/2017
Best Home Loan Package
PROMOTION FIXED DEPOSIT LINKED FLAT HOME LOAN (REFINANCE)
+ Home loan rates are pegged to fixed deposit rate for stability.
+ Suitable for the financial savvy
$3,816
(1.38%)
$3,816
(1.38%)
$3,816
(1.38%)
$3,816
(1.38%)
+
 
Interest Rate
Year 1 : FHR 9 +1.13%
Year 2 : FHR 9 +1.13%
Year 3 : FHR 9 +1.13%
Year 4 : FHR 9 +1.13%
Penalty
2 Years Lock In
Remarks
Loan Purpose - Refinance with Mortgage Reducing Insurance
For - Private Residential, Executive Condominium in Singapore
Minimum Loan Tenure - 5 years
Valuation Fee - Depending on property type
Condition - Purchase with MPM (Mortgage Insurance)

Promotional package is available for a limited period only.

Package is subject to change at the Bank's absolute discretion without prior notice. Credit facilities are granted at sole discretion of the bank. Terms and conditions apply.

This is for information only. Please note that this does not constitute an offer of any facility by the bank.
Last updated: 18/05/2017
Best Home Loan Package
BEST 3 YEARS FIXED HOME LOAN (REFINANCE)
+ Home loan rates are fixed for the first 3 years.
+ Suitable for homeowners who prefer stability in their monthly payments.
$3,853
(1.48%)
$3,888
(1.58%)
$3,922
(1.68%)
$3,926
(1.69%)
+
 
Interest Rate
Year 1 : 1.48% (Fixed)
Year 2 : 1.58% (Fixed)
Year 3 : 1.68% (Fixed)
Year 4 : 3 month SIBOR +0.70%
Year 5 : 3 month SIBOR +0.70%
Penalty
3 years lock in
Legal Subsidy
$1,800
Perks
Penalty waiver due to sales
Legal subsidy subject to approval
Remarks
Loan Purpose - Refinance
For - Private Residential in Singapore. May not be applicable for HDB flat.
Minimum Loan Tenure - 5 years
Valuation Fee - Depending on property type

Promotional package is available for a limited period only.

Package is subject to change at the Bank's absolute discretion without prior notice. Credit facilities are granted at sole discretion of the bank. Terms and conditions apply.

This is for information only. Please note that this does not constitute an offer of any facility by the bank.

Last updated: 18/05/2017
Best Home Loan Package
BEST 2 YEARS FIXED HOME LOAN (REFINANCE)
+ Home loan rates are fixed for the first 2 years.
+ Suitable for homeowners who prefer stability in their monthly payments.
$3,890
(1.58%)
$3,890
(1.58%)
$3,928
(1.69%)
$3,928
(1.69%)
+
 
Interest Rate
Year 1 : 1.58% (Fixed)
Year 2 : 1.58% (Fixed)
Year 3 : 3 month SIBOR +0.70%
Year 4 : 3 month SIBOR +0.70%
Year 5 : 3 month SIBOR +0.70%
Penalty
2 years lock in
Legal Subsidy
$3,200
Perks
Legal subsidy subject to approval
Remarks
Loan Purpose - Refinance
For - Private Residential in Singapore. May not be applicable for HDB flat.
Minimum Loan Tenure - 5 years
Valuation Fee - Depending on property type

Promotional package is available for a limited period only.

Package is subject to change at the Bank's absolute discretion without prior notice. Credit facilities are granted at sole discretion of the bank. Terms and conditions apply.

This is for information only. Please note that this does not constitute an offer of any facility by the bank.

Last updated: 18/05/2017
Best Home Loan Package
1ST YEAR FIXED HOME LOAN (REFINANCE)
$3,894
(1.59%)
$3,894
(1.59%)
$3,894
(1.59%)
$4,022
(1.99%)
+
 
Interest Rate
Year 1 : 1.59% (Fixed)
Year 2 : FDMR36 + 0.39%
Year 3 : FDMR36 + 0.39%
Year 4 : FDMR36 + 0.79%
Year 5 : FDMR36 + 0.79%
Penalty
1 year Lock In
Legal Subsidy
$1,600
Perks
Legal subsidy subject to approval
Remarks
Loan Purpose - Refinance
For - Private Residential, Executive Condominium in Singapore. May not be applicable for HDB flat.
Minimum Loan Tenure - 5 years
Valuation Fee - Depending on property type

Promotional package is available for a limited period only.

Package is subject to change at the Bank's absolute discretion without prior notice. Credit facilities are granted at sole discretion of the bank. Terms and conditions apply.

This is for information only. Please note that this does not constitute an offer of any facility by the bank.
Last updated: 18/05/2017
Best Home Loan Package
BEST 3 YEARS FIXED HOME LOAN (REFINANCE)
$3,927
(1.68%)
$3,927
(1.68%)
$3,927
(1.68%)
$3,965
(1.80%)
+
 
Interest Rate
Year 1 : 1.68% (Fixed)
Year 2 : 1.68% (Fixed)
Year 3 : 1.68% (Fixed)
Year 4 : FHR 9 +1.55%
Year 5 : FHR 9 +1.55%
Penalty
3 years lock in
Remarks
Loan Purpose - Refinance with Mortgage Reducing Insurance
For - Private Residential, Executive Condominium in Singapore. May not be applicable for HDB flat.
Minimum Loan Tenure - 5 years
Valuation Fee - Depending on property type
Condition - Purchase with MPM (Mortgage Insurance)

Promotional package is available for a limited period only.

Package is subject to change at the Bank's absolute discretion without prior notice. Credit facilities are granted at sole discretion of the bank. Terms and conditions apply.

This is for information only. Please note that this does not constitute an offer of any facility by the bank.
Last updated: 18/05/2017
Please note that the calculator is for illustrative purposes only. Please read Important Notes for more details.

Disclaimer Note: The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances. You may not qualify for that particular product. Borrowers are advised to have more than one application/option.
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Frequently Asked Questions

Why refinance your home?

Refinance home loan and save Refinancing means taking a new home loan to pay off your current mortgage.
Before refinancing, borrowers should consider their financial situation over the next three to five years. You should ask yourself whether flexibility (no lock in period), a lower interest or predictable interest is the goal. It is also wise to consider if there will be any significant changes to your financial situation. Examples, a change in job, a new child or plans to sell the property.
There is a range of reasons when refinancing makes sense.
  • Your current interest rate is no longer competitive.
  • You are switching from a variable home loan to a fixed home loan or vice versa.
  • You like to draw home equity to pay for renovations, child's education or investments.
  • A major change in your financial situation
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