{"id":1937,"date":"2020-12-10T09:17:12","date_gmt":"2020-12-10T09:17:12","guid":{"rendered":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/?page_id=1937"},"modified":"2026-05-12T01:51:22","modified_gmt":"2026-05-12T01:51:22","slug":"refinance-home-loan","status":"publish","type":"page","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/refinance-home-loan\/","title":{"rendered":"Refinance Home Loan to Lower Rates & Save"},"content":{"rendered":"
[mk_page_section sidebar=”sidebar-1″][vc_column][vc_column_text align=”center” el_class=”xl-top-heading”]\n

This is your place to get the best refinance home loan package in Singapore<\/strong><\/h1>\n

Get the best home and HBD loan refinance packages by talking to our experts.<\/h3>\n[\/vc_column_text][vc_column_text]\n
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3.17%<\/div>\n
Lowest Floating Rates<\/div>\n<\/div>\n
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3.85%<\/div>\n
Lowest Fixed Rates<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_btn title=”Enquire Now For Lowest Rates” color=”warning” size=”lg” align=”center” link=”url:https%3A%2F%2Fhomeloanwhiz.com.sg%2Fbook-free-consultation%2F|||” el_class=”xl-free-consultant-btn xl-first-free-consultant-btn”][vc_empty_space height=”60px” el_class=”sm-mt-space”][vc_row_inner el_class=”xl-first-card-container”][vc_column_inner][vc_column_text]\n

What is Home Loan Refinancing?<\/h2>\n

Home loan refinancing is when you take out a new home loan<\/a> with a new lender, or renegotiate the rates with your current lender (called repricing in this instance). The point of doing so is almost always to secure a lower rate of interest that will save you money on your monthly repayments and possibly reduce the life of your loan.<\/span><\/p>\n[\/vc_column_text][vc_btn title=”Enquire Now For Lowest Rates” color=”warning” size=”lg” align=”center” link=”url:https%3A%2F%2Fhomeloanwhiz.com.sg%2Fbook-free-consultation%2F|||” el_class=”xl-free-consultant-btn xl-first-card-container-free-consultant-btn”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/mk_page_section][mk_page_section el_class=”xl-blue-backgroud-container” sidebar=”sidebar-1″][vc_column][vc_empty_space height=”60px” el_class=”sm-mt-space-20″][vc_column_text align=”center”]\n

Three Reasons You Should Plan Refinancing Your Home Loan<\/h2>\n[\/vc_column_text][vc_empty_space height=”15px”][vc_row_inner el_class=”xl-second-card-container”][vc_column_inner el_class=”_card” width=”1\/3″][vc_column_text align=”center”]\n

You will get a better interest rate, and consequently low monthly installment<\/h3>\n

Whether you’ve a fixed interest rate or a floating interest rate, there’s always a chance to get a better interest rate by refinancing your mortgage. Better if you do that before the next cycle of payments. That means you’ll also enjoy a lower monthly installment payment.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=”_card” width=”1\/3″][vc_column_text align=”center”]\n

Your Lock-in period Is about to end<\/h3>\n

Usually, the lock-in period ends in a few years. And also, you need to give at least 3-months notice before refinancing. So plan at least 4 months before the new interest rate takes over after the lock-in period. You’ll save loads of money.<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=”_card” width=”1\/3″][vc_column_text align=”center”]\n

You want to extend your loan tenure<\/h3>\n

If your existing loan tenure is less than the maximum loan tenure on offer, you can go for a loan tenure extension using the home loan refinance option. Whether it’s an HDB or a private property, you can extend your loan period to up to 35 years or till the age of 75.<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”60px”][\/vc_column][\/mk_page_section][mk_page_section el_class=”xl-thumb-rule-container” sidebar=”sidebar-1″][vc_column][vc_column_text align=”center” el_class=”_xl-thumb-rule-container-top-header”]\n

Refinancing HDB Loan in Singapore<\/h2>\n

Refinancing your HDB home loan can be one of the most significant financial decisions you make. It can allow you to lower your monthly payment, save money on interest over the life of your HDB home loan, pay your HDB mortgage off sooner.<\/span><\/p>\n

Of course, knowing which package to choose for your HDB refinance is key. There are many terms and things to look out for when selecting your HDB mortgage loan package. Lock in period, prepayment penalties, waiver due to sale etc…<\/span><\/p>\n

We analysis over 71 HDB Home Loans across 22 banks and help you understand the pros and cons of each package type, also helping negotiate for special terms.<\/span><\/p>\n

We guarantee the best packages available and free you the hassle and stress of managing this on your own.<\/span>
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\nSpeak to our mortgage advisors today for the best deals and advice! *Do note that there are special tie up rates that we have and are unable to advertise publicly. Speak with us to find out more.<\/span><\/p>\n[\/vc_column_text][vc_column_text align=”center” el_class=”_xl-thumb-rule-container-top-header”]\n

When Should I Plan Refinancing My Home Loan?<\/h2>\n

All you need to do is do an interest rate risk analysis. Here’s how it works<\/span><\/p>\n

Interest Rates Hike Analysis For Home or HDB Loan Refinancing<\/h3>\n

Suppose, John took out a mortgage of a $1 million loan for 25 years. The interest rate he is getting is 1.4% per annum and he is paying $3,953 monthly. If interest rates rise to 1.5% per annum (a 0.1% hike), his monthly payments will increase by $47 a month or $564 a year.<\/span><\/p>\n

Although he pays an extra $564 that year, John is actually paying $1,000 more in total interest that year. This is because as interest rates rise, a lesser proportion of his monthly instalment goes towards principal repayment and he will end up with a higher outstanding loan amount at the end of the year.<\/span><\/p>\n[\/vc_column_text][vc_empty_space height=”40px”][vc_row_inner el_class=”xl-third-card-container”][vc_column_inner el_class=”_card” width=”1\/2″][vc_column_text]\n

Rule Of Thumb 1 Of Home (HDB) Loan Refinancing<\/h2>\n

For every $1 million loan, a 0.1% increase in interest means an extra $1,000 a year in interest payments. Assuming interest rates rise by 1%, you are looking at additional $10,000 in interest paid yearly for every $1 million of loan. If your loan is $2 million, then every 0.1% increase means $1,000 X 2 = $2,000 increase in yearly interest.<\/span><\/p>\n

*Above calculations are very close estimates.<\/i><\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=”_card” width=”1\/2″][vc_column_text]\n

Rule Of Thumb 2 Of Home (HDB) Loan Refinancing<\/h2>\n

For a $1 million loan, a 1% increase in interest rates is equivalent to additional $500 monthly repayment. Based on the government view of the average interest rate at 3.5%, the instalments will be expected to increase by $12,000 yearly for every $1 million (2% increase X $500)*.<\/span><\/p>\n

*Above calculations are very close estimates.<\/i><\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/mk_page_section][mk_page_section el_class=”xl-blue-backgroud-container” sidebar=”sidebar-1″][vc_column][vc_empty_space height=”60px”][vc_column_text align=”center”]\n

How We Help You Save Money With The Best Interest Rates In Home Loan Refinancing<\/h2>\n[\/vc_column_text][vc_empty_space height=”15px”][vc_row_inner el_class=”xl-second-card-container”][vc_column_inner el_class=”_card” width=”1\/3″][vc_column_text align=”center”]\n

Recall: Check Your Current Home Loan<\/h3>\n

Call up your bank, or dig out your current mortgage contract and note down these details. Are you still in the lock-in period? Any clawbacks, such as legal, fire insurance, or valuation?<\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=”_card” width=”1\/3″][vc_column_text align=”center”]\n

Review: Understand home Loan Interest Rates for Before and After<\/h3>\n

Find out what interest rates you are paying now and going forth. Also find out what your bank can offer you if you reprice with them. (Reprice = refinance within your existing bank. Usually a $500 – $800 fee.) Then compare to the best home loan interest rates in today’s market, which may vary based on certain conditions and validity. Or you can talk to a home loan consultant.<\/a><\/span>[\/vc_column_text][\/vc_column_inner][vc_column_inner el_class=”_card” width=”1\/3″][vc_column_text align=”center”]\n

Realize: Call Our Home Loan Consultants for Free Analysis<\/h3>\n

Reach out to us for more details on the current best interest rates and how to refinance your home loan in Singapore. We can also provide ideas to obtain cheap financing using your property as collateral to place into investments like stocks, overseas property<\/a>, or purchasing a car.<\/span><\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”60px”][\/vc_column][\/mk_page_section][mk_page_section el_class=”xl-thumb-rule-container” sidebar=”sidebar-1″][vc_column][vc_column_text align=”center” el_class=”_xl-thumb-rule-container-top-header”]\n

Private Property Loan Refinancing vs. HDB Loan Refinancing<\/h2>\n

Private Property Loan Refinancing<\/p>\n

Refinancing your private property loan is the process of switching your current housing bank loan to another bank, which can be done in order to get a better rate that works in your favor. More often than not, homeowners usually think of refinancing to save money on their monthly payments with better long-term rates or to adjust the duration of the term accordingly to fit your financial situation. And finding suitable home loan experts can be beneficial and worth all the effort when you have the best one.<\/span><\/p>\n

HDB Loan Refinancing<\/p>\n

The most notable benefit of taking out an HDB loan is that you can get a higher loan amount than a bank loan. HDB loans allow you to finance up to 85% of the cost of your property. This is subject to eligibility conditions for HDB housing loans. With a higher loan amount, you get to pay less on the down payment.
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\nWhen buying an HDB flat, there are many good reasons for homeowners to take up an HDB housing loan as their first home loan. With that said, if after a few years, you want a home loan refinancing option with lower interest rates, it is possible to switch from an HDB loan to a bank loan for more savings.
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\nTo minimize the cost of refinancing HDB loan, banks sometimes offer incentives on top of low interest rates, like subsidies to cover fees incurred during refinancing such as valuation and legal fees.<\/span>[\/vc_column_text][\/vc_column][\/mk_page_section][vc_row][vc_column][vc_row_inner el_class=”xl-testimonial-container”][vc_column_inner][vc_column_text align=”center”]\n

WE HAVE HELPED OVER 3,524 SINGAPOREANS REFINANCE THEIR HOME LOANS<\/h2>\n[\/vc_column_text][vc_column_text el_class=”xl-testimonial”]First home purchase was made easier with Home Loan Whiz. Great rates, but more importantly the education by the team on loan details was a strong plus factor. Not everyone is a finance expert, and it was easy and detailed from him.<\/p>\n

After the bank loan was confirmed, good followup to check that everything is well with the banker and lawyer.<\/p>\n

Overall, I strongly recommend!<\/p>\n

– Weiguo Cai[\/vc_column_text][vc_empty_space height=”25px”][vc_column_text el_class=”xl-testimonial”]I was served by Lorraine Lee and she was very patient with my queries and clarified them all. Not only that, she helped me to secure a good rate whilst the rate is changing almost everyday during that period.<\/p>\n

Appreciated her initiative and I even recommended my friends to her.<\/p>\n

– QQ[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][mk_page_section sidebar=”sidebar-1″][vc_column][vc_row_inner el_class=”client-logo-wrap bank-client-logo-wrap”][vc_column_inner][mk_fancy_title margin_bottom=”0″ font_family=”none” align=”center”]\n

We work with all the leading banks of Singapore for home loan refinancing<\/h2>\n

\"Citibank\"DBS\"\"\"POSB\"MB\"Standard\"CIMB\"OCBC\"RHB<\/span>\"SBI\"ICBC\"HLF\"SIF\"SF<\/span><\/p>\n[\/mk_fancy_title][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”60px”][vc_row_inner][vc_column_inner][vc_column_text align=”center”]\n

Want to know what home loan refinance option you should choose?<\/h2>\n[\/vc_column_text][vc_empty_space height=”20px”][vc_btn title=”Enquire Now For Lowest Rates” color=”warning” size=”lg” align=”center” link=”url:https%3A%2F%2Fhomeloanwhiz.com.sg%2Fbook-free-consultation%2F|||” el_class=”xl-free-consultant-btn xl-bottom-free-consultant-btn”][vc_empty_space height=”60px”][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”xl-faqs-container”][vc_column_inner][vc_column_text]\n

Home Loan Refinancing FAQs<\/h2>\n[\/vc_column_text][vc_empty_space height=”30px”][vc_toggle title=”Q. What does lock-in period mean for home loans?” el_id=”1608040433278-95abe9d6-8c2d” el_class=”xl-faqs”]A lock-in period refers to the minimum number of years that you are required to stay with the bank for a particular package. If you decide to refinance, repay partially, or repay fully, there is likely to be a penalty imposed.<\/span>[\/vc_toggle][vc_toggle title=”Q. Is it worth it to refinance my housing loan?” el_id=”1608040461686-122e799c-653a” el_class=”xl-faqs”]Experts suggest that you should refinance your home loan every 2 to 3 years. And that’s because you will save a lot of money in the process by avoiding increased interest rates after the lock-in period. Even with floating interest-rate chances are your interest rates have increased in 2-3 years and you’re paying more. So it’s always advisable to refinance your home loan if it’s saving you money.<\/span>[\/vc_toggle][vc_toggle title=”Q. What is the cost of refinancing a home loan?” el_id=”1608040538409-00a97a45-c262″ el_class=”xl-faqs”]You pay two types of cost: legal fee (to the law firm) and valuation fee (to the bank). In many cases, if your remaining loan is $300K or above, banks usually subsidise the legal and a part of valuation fee. This means that the total cost usually is minimal and definitely cheaper than repricing.<\/span>[\/vc_toggle][vc_toggle title=”Q. What is the difference between refinancing and repricing a home loan?” el_id=”1608040562161-c913f13e-3717″ el_class=”xl-faqs”]Repricing refers to changing to a different interest rate package within the same bank. For repricing, there is usually a repricing fee of between $800 and $1000. Also for existing customers changing to another package, the package offered by the current bank will usually be worse off or at best the same as what they offer for new to bank customers.<\/span><\/p>\n

Refinancing is to change to a different bank and to take up a new housing loan package from them. Banks will usually attract new customers by offering subsidies to keep the cost low for switching and their interest rate packages are usually more attractive. Therefore as long as you are eligible for the subsidies, it definitely is worthwhile to refinance.<\/span>[\/vc_toggle][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/mk_page_section]\n<\/div>","protected":false},"excerpt":{"rendered":"

[mk_page_section sidebar=”sidebar-1″][vc_column][vc_column_text align=”center” el_class=”xl-top-heading”] This is your place to get the best refinance home loan package in Singapore Get the best home and HBD loan refinance packages by talking to our experts. [\/vc_column_text][vc_column_text] 3.17% Lowest Floating Rates 3.85% Lowest Fixed Rates [\/vc_column_text][vc_btn title=”Enquire Now For Lowest Rates” color=”warning” size=”lg” align=”center” link=”url:https%3A%2F%2Fhomeloanwhiz.com.sg%2Fbook-free-consultation%2F|||” el_class=”xl-free-consultant-btn xl-first-free-consultant-btn”][vc_empty_space height=”60px” el_class=”sm-mt-space”][vc_row_inner<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"landing\/template-landing.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1937","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nRefinance Home Loan to Lower Rates & Save<\/title>\n<meta name=\"description\" content=\"Refinancing your home or HDB loan lowers your interest rates. Our HDB refinancing experts make this process easier by connecting you to the the best deals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/homeloanwhiz.com.sg\/refinance-home-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinance Home Loan to Lower Rates & Save\" \/>\n<meta property=\"og:description\" content=\"Refinancing your home or HDB loan lowers your interest rates. 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