For Singapore homeowners
Is your home loan still the right one for you?
Rates have shifted. In two minutes, see roughly what you could save against a comparison rate — then let us check the real packages for you, free.
A quick estimate
See what a lower rate might do for you.
Enter what you know. We’ll show a rough monthly comparison — the real packages we’d find for you often look different.
$500,000 · Most banks require a minimum outstanding loan of around $100,000–$200,000 to refinance.
20 years
Not sure? Check your bank app or latest loan statement — or use your best estimate.
Use this week’s indicative rate — see the rates band below.
Enter both rates above to see an estimate.
Illustrative only, based on the figures you entered, and assumes a flat rate for the full period — real packages often have different rates in different years. Actual rates depend on your profile and bank approval, and are subject to change. This is general information, not financial advice. We work with licensed mortgage partners and may be remunerated for introductions.
This week’s rates
Indicative packages, at a glance.
A snapshot of where the market is this week. Use the range as your comparison rate above.
Fixed 2Y
from ~—.——%
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Fixed 3Y
from ~—.——%
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Floating (SORA)
from ~—.——%
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Rates as of 6 Jul 2026.
How it works
Three quiet steps — no pressure.
See your saving
Use the calculator to get a rough view of what a lower rate could do for your monthly repayment.
We check the real packages — free
We compare live packages from banks against your loan, income and property, and come back with what actually fits.
We handle the paperwork with our licensed partners
If you decide to move, our licensed mortgage partners handle the switch end to end. You sign; we manage the rest.
A story
Small numbers, kept quietly month after month.
The situation
A couple with an $800,000 HDB loan, two years into their current package, quietly wondering if they were still on the right one.
The check
We looked at their existing rate against what banks were offering that week — and modelled the switch, penalties included.
The outcome
They moved when their lock-in ended and freed up around $280/month — money that now goes into their children's savings, not the bank's.
Illustrative example.
Refinance & thank-you · Jul–Sep 2026
A thank-you for trusting us with your loan.
$300k–$499k
$100 voucher
$500k–$999k
Dyson Purifier Cool Gen1
$1M–$1.499M
your choice: Dyson Supersonic Nural or Dyson V10 Optic vacuum
$1.5M and above
Dyson Purifier Cool PC1
Gifts are fulfilled after your new loan is disbursed. One gift per household. Not conditional on any insurance or other product. While quarterly allocation lasts. Full T&Cs apply.
Before you ask
Honest answers to honest questions.
One quiet step
Get your free packages check.
Leave your details and one of our team will come back within 1 working day with a clear read of what fits — no obligation.