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Singapore Refinance


Refinancing Singapore Home Loans


Our services cover various types of refinancing scenarios in Singapore. Ranging from a straightforward refinance application, to refinance and equity loan, to refinance and part purchase, we have seen it all. With us, you are rest assured of the right solution, low rates and subsidies.


  • You can save money. If your higher interest rates have kicked in, you should be looking for a lower loan rate.

  • Change in interest rates outlook. Say you are on floating rates. You may decide to move your loan onto fixed rates for a peace of mind.

  • Cash out. While you consider refinancing, why not look at releasing equity (cash) out of your private property? We know where to obtain the maximum loan.

  • Extend loan tenure up to age 70 or 75. As a result, monthly repayments are smaller and your cashflow is better. This also helps in easing your TDSR.


  • 3-6 months before lock in expires. Timing is everything when we work on refinancing applications. We help you to time the refinancing so you can enjoy the lower rates on the day after the lock in expires!

  • 3-6 months before higher interest rates hit you. Don't let this happen without you knowing. We will work with the conveyancing lawyer, existing and new bank to ensure we have taken care of Rate Review Date, to avoid any penalty.


  • Singapore Interbank Offered Rate (SIBOR) is the interest rate at which banks borrow or lend to one another in the Asian Financial Markets and is set daily by the Association of Banks in Singapore (ABS). (eg today's 3-mth SIBOR is 0.40%) Also set daily by the Association of Banks in Singapore (ABS). It's published too with charts here.

  • Variable Board Rates are pegged to the Bank’s respective reference rate, which is influenced by prevailing market conditions. Interest rates will fluctuate depending on Bank's Board Rate. It lags behind interbank rate movements ie SIBOR hence less volatile.

  • Fixed Rates provide interest rate certainty during the fixed period, regardless how market interest rate fluctuates. Favoured by risk-averse customers and those who are too busy to monitor their loan

  • FHR (fixed home rate) is a board rate by DBS. It is the average of DBS 12 months and 24 months fixed deposit rates for amount within S$1,000 to S$9,999). It's published at at www.dbs.com/ratesonline/pages/fdsgd.aspx

  • 3M SOR refers to 3-month Singapore Swap Offer Rate (SOR) obtained from the Association of Banks in Singapore (ABS).

  • 3M COMBO refers to the average of 3-month Singapore Interbank Offered Rate (SIBOR) 11am fixing on the first business day of the month and 3-month Singapore Swap Offer Rate (SOR) 8pm fixing on the last business day of the previous month obtained from the Association of Banks in Singapore (ABS).

  • Fixed Deposit Rates is the newest kid on the block. DBS in 2015 launched loan products that tracks these savings rates. Since then, OCBC, UOB and Standard Chartered have followed suit with their own products. One thing to note: these products are not offering fixed rates, but variable rate that tracks fixed deposit rates.


Cooling measures have impacted many borrowers in making further property investments. You can take over your partner’s share in the property and release them as a mortgagor and borrower. By making this part purchase transaction, you have decoupled and your partner can make another purchase without ABSD or LTV concerns. Together with our conveyancing lawyers, your part purchase and investment dreams are alive!


If your house value is significantly more than the outstanding loan, you may explore releasing the equity as cash. This is also commonly known as term or cash out loan.


You may be entitled to TDSR exemption when refinancing. Some guidelines are made more flexible if you are eligible for it. We have helped home owners qualify for TDSR exemption, resulting in lower monthly repayments, lesser documentations and cheaper rates. Read more about TDSR exemption. In 2016, MAS announced guidelines to exempt more homeowners from TDSR.


If you think refinance may cost you, think again. Subsidies for legal and valuation fees are often given by banks. Larger loan amounts will enjoy more subsidies, meaning almost no fee is payable./span>


  • Experienced mortgage brokers who are trusted by customers

  • We know each bank's TDSR guidelines

  • We are the first to hear about special rates

  • Just like the many customers before you, they trust our team in providing the right mortgage. We are featured in The Straits Times, The Sunday Times, Channel 5, Channel 8 and Channel News Asia.




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