{"id":241,"date":"2025-07-29T13:55:18","date_gmt":"2025-07-29T05:55:18","guid":{"rendered":"http:\/\/52.74.153.109\/?page_id=241"},"modified":"2026-04-20T11:01:55","modified_gmt":"2026-04-20T03:01:55","slug":"refinancing-hdb-loan","status":"publish","type":"page","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/","title":{"rendered":"Refinancing HDB Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"241\" class=\"elementor elementor-241\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98d4b0c e-flex e-con-boxed e-con e-parent\" data-id=\"98d4b0c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e61130e e-con-full e-flex e-con e-child\" data-id=\"e61130e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cbf8296 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cbf8296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Our Services<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f824466 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f824466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best HDB Refinance Home Loan Rates in Singapore<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5897061 e-con-full e-flex e-con e-parent\" data-id=\"5897061\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46daae9 elementor-widget elementor-widget-template\" data-id=\"46daae9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"4031\" class=\"elementor elementor-4031\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b9fb931 e-flex e-con-boxed e-con e-parent\" data-id=\"4b9fb931\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6461591e e-con-full e-flex e-con e-child\" data-id=\"6461591e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e268401 elementor-widget elementor-widget-heading\" data-id=\"e268401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">As Featured On<\/h4>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55e86961 e-con-full elementor-hidden-tablet e-flex e-con e-child\" data-id=\"55e86961\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bc9b59e elementor-widget elementor-widget-image\" data-id=\"4bc9b59e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"124\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-1024x159.png\" class=\"attachment-large size-large wp-image-999\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-1024x159.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-300x47.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-768x119.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-1536x239.png 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1.png 1794w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1208f290 elementor-widget elementor-widget-image\" data-id=\"1208f290\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"157\" height=\"130\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/moneyfm-icon.Bg8DuJNN.png\" class=\"attachment-large size-large wp-image-422\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6654dad2 elementor-widget elementor-widget-image\" data-id=\"6654dad2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"202\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business-1024x258.png\" class=\"attachment-large size-large wp-image-998\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business-1024x258.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business-300x76.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business-768x193.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business.png 1413w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-261b31b0 elementor-widget elementor-widget-image\" data-id=\"261b31b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"78\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo-1024x100.png\" class=\"attachment-large size-large wp-image-1001\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo-1024x100.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo-300x29.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo-768x75.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo.png 1029w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b4d58c4 elementor-widget elementor-widget-image\" data-id=\"5b4d58c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"63\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo-1024x80.png\" class=\"attachment-large size-large wp-image-1000\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo-1024x80.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo-300x23.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo-768x60.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo.png 1228w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab1e33f e-con-full e-grid elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-mobile e-con e-child\" data-id=\"ab1e33f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c604a21 elementor-widget elementor-widget-image\" data-id=\"c604a21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"124\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-1024x159.png\" class=\"attachment-large size-large wp-image-999\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-1024x159.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-300x47.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-768x119.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1-1536x239.png 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/AsiaOne_Logo-1.png 1794w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5e7496 elementor-widget elementor-widget-image\" data-id=\"d5e7496\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"157\" height=\"130\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/moneyfm-icon.Bg8DuJNN.png\" class=\"attachment-large size-large wp-image-422\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2fabb5 elementor-widget elementor-widget-image\" data-id=\"e2fabb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"202\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business-1024x258.png\" class=\"attachment-large size-large wp-image-998\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business-1024x258.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business-300x76.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business-768x193.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/sg-business.png 1413w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbf28e5 e-con-full e-grid elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-mobile e-con e-child\" data-id=\"fbf28e5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30696e1 elementor-widget elementor-widget-image\" data-id=\"30696e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"78\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo-1024x100.png\" class=\"attachment-large size-large wp-image-1001\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo-1024x100.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo-300x29.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo-768x75.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/The-Business-Times-logo.png 1029w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c7cdbb elementor-widget elementor-widget-image\" data-id=\"0c7cdbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"63\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo-1024x80.png\" class=\"attachment-large size-large wp-image-1000\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo-1024x80.png 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo-300x23.png 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo-768x60.png 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/st-logo.png 1228w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-754843e e-flex e-con-boxed e-con e-parent\" data-id=\"754843e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0762713 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"0762713\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1708\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-scaled.jpg\" class=\"attachment-full size-full wp-image-4841\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-1536x1025.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-2048x1366.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68f70e3 e-con-full e-flex e-con e-child\" data-id=\"68f70e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c015b95 elementor-widget elementor-widget-heading\" data-id=\"c015b95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Is HDB Loan Refinancing?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8256a8 elementor-widget elementor-widget-text-editor\" data-id=\"e8256a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>HDB loan refinancing is the process of switching your existing Housing Development Board (HDB) loan to a new home loan package, offered by a bank or another financial institution (FI). This allows you to potentially take advantage of lower interest rates, more flexible loan terms and other benefits that might not be available with your current HDB loan. However, it&#8217;s important to note that once you refinance your HDB loan to a bank, you cannot switch back to an HDB loan in the future for the same property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1602319 e-flex e-con-boxed e-con e-parent\" data-id=\"1602319\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-17a140a e-con-full e-flex e-con e-child\" data-id=\"17a140a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-588adab elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"588adab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Eligibility and Requirements to Refinance HDB Loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-307a260 elementor-widget elementor-widget-text-editor\" data-id=\"307a260\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Before you jump into refinancing your HDB loan, it&#8217;s essential to ensure you meet the eligibility criteria. Here&#8217;s a breakdown of the key requirements:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6935ba4 elementor-widget elementor-widget-n-accordion\" data-id=\"6935ba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1100\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1100\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Credit Score <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1100\" class=\"elementor-element elementor-element-bee86d1 e-con-full e-flex e-con e-child\" data-id=\"bee86d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f15873 elementor-widget elementor-widget-text-editor\" data-id=\"4f15873\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your credit score is a crucial factor in determining your eligibility for various HDB bank loan refinance options, and the interest rates you&#8217;ll be offered. A higher credit score generally indicates lower risk for lenders, leading to more favourable loan terms. Before applying, check your credit report and address any discrepancies or negative entries to improve your chances of approval.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1101\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1101\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Fulfilling MOP and Lock-in Period <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1101\" class=\"elementor-element elementor-element-a54a9b0 e-con-full e-flex e-con e-child\" data-id=\"a54a9b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9d8749 elementor-widget elementor-widget-text-editor\" data-id=\"b9d8749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you&#8217;ve purchased your HDB flat with a subsidised loan (e.g., an HDB loan), you must fulfil the Minimum Occupation Period (MOP) before you can refinance. The MOP is typically five years. Additionally, if you have an existing bank loan, check if you&#8217;re still within the lock-in period. If you refinance during the lock-in period, you may incur penalties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1102\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1102\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Mortgage Debt Servicing Ratio (MSR) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1102\" class=\"elementor-element elementor-element-4c3fab1 e-con-full e-flex e-con e-child\" data-id=\"4c3fab1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98612bb elementor-widget elementor-widget-text-editor\" data-id=\"98612bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The MSR is a regulatory limit in Singapore that restricts the portion of your gross monthly income that can be used to service your monthly mortgage payments. For HDB flats and Executive Condominiums (ECs), the MSR is capped at 30%. This ensures you have sufficient income to meet your other financial obligations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1103\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1103\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Total Debt Servicing Ratio (TDSR) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1103\" class=\"elementor-element elementor-element-2cfe371 e-con-full e-flex e-con e-child\" data-id=\"2cfe371\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23c6bb4 elementor-widget elementor-widget-text-editor\" data-id=\"23c6bb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The <a href=\"#\">TDSR may sound confusing<\/a>, but in essence, it\u2019s another regulatory limit that considers your total monthly debt obligations, including your mortgage, car loans, personal loans and credit card debt. The TDSR is capped at 55% of your gross monthly income. This broader measure ensures you&#8217;re not overleveraged and can manage all your debt repayments comfortably.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1104\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1104\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Loan-to-Value Ratio (LTV) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1104\" class=\"elementor-element elementor-element-d399b92 e-con-full e-flex e-con e-child\" data-id=\"d399b92\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b00f5 elementor-widget elementor-widget-text-editor\" data-id=\"a2b00f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The Loan-to-Value (LTV) ratio determines the maximum amount you can borrow against your property&#8217;s value. For HDB flats, the LTV limit for refinancing is typically 75%. However, this can vary based on factors like the loan tenure and whether you have any outstanding housing loans. It&#8217;s essential to check with individual banks for their specific LTV limits, and ensure you have sufficient equity in your property to qualify for refinance options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc159df e-con-full e-flex e-con e-child\" data-id=\"dc159df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af1e576 e-flex e-con-boxed e-con e-parent\" data-id=\"af1e576\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-49cf2f1 e-con-full e-flex e-con e-child\" data-id=\"49cf2f1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c53e524 e-con-full e-flex e-con e-child\" data-id=\"c53e524\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4c1207 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b4c1207\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Considerations to Look Into Before Refinancing Your HDB Loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b28d158 elementor-widget elementor-widget-text-editor\" data-id=\"b28d158\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Refinancing your HDB loan can be a smart move, but it&#8217;s crucial to make an informed decision. Here are some key factors to consider before taking the plunge:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a284af4 elementor-widget elementor-widget-n-accordion\" data-id=\"a284af4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1700\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1700\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Current Outstanding Loan Amount <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1700\" class=\"elementor-element elementor-element-9f9dd91 e-con-full e-flex e-con e-child\" data-id=\"9f9dd91\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b875ee elementor-widget elementor-widget-text-editor\" data-id=\"4b875ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The amount you still owe on your existing HDB loan plays a significant role in your refinancing options. Generally, a higher outstanding loan amount gives you more leverage to negotiate better refinance options with banks, as they are more eager to secure larger loans. In these cases, it may be best to use a <a href=\"#\">housing loan calculator<\/a> for a more accurate gauge before refinancing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1701\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1701\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Loan Tenure <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1701\" class=\"elementor-element elementor-element-4e26e94 e-con-full e-flex e-con e-child\" data-id=\"4e26e94\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c15f734 elementor-widget elementor-widget-text-editor\" data-id=\"c15f734\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Consider your remaining loan tenure. A shorter remaining tenure might limit your refinancing options, as some banks have specific requirements for the minimum remaining loan period. If you&#8217;re looking to extend your loan tenure to lower your monthly payments, refinancing can be a good option. However, keep in mind that a longer tenure could result in paying more interest overall.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1702\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1702\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Remaining Lease <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1702\" class=\"elementor-element elementor-element-c2a8d3c e-con-full e-flex e-con e-child\" data-id=\"c2a8d3c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec3fa4 elementor-widget elementor-widget-text-editor\" data-id=\"6ec3fa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The remaining lease on your HDB flat is a crucial factor. Banks are more cautious about refinancing properties with shorter leases. A shorter lease may result in less favourable loan options, or even disqualification for refinancing. Make sure to check with banks about their specific refinance requirements regarding remaining leasehold years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1703\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1703\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Fees and Charges <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1703\" class=\"elementor-element elementor-element-82b68db e-con-full e-flex e-con e-child\" data-id=\"82b68db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e64021a elementor-widget elementor-widget-text-editor\" data-id=\"e64021a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When considering refinancing, remember to factor in the various associated costs such as legal, valuation and potential cancellation fees. These can impact your overall savings, so compare HDB refinancing packages carefully and look for options with subsidies or waivers to minimise upfront expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1704\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1704\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Lock-in Period <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1704\" class=\"elementor-element elementor-element-b1e73e3 e-con-full e-flex e-con e-child\" data-id=\"b1e73e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1489a6b elementor-widget elementor-widget-text-editor\" data-id=\"1489a6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your current HDB loan likely has a lock-in period during which you&#8217;ll incur penalties for refinancing. Before initiating the refinancing process, check when your lock-in period expires to avoid unnecessary costs. Plan your refinancing strategy around this date to maximise your savings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1705\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1705\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Prepayment Penalties <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1705\" class=\"elementor-element elementor-element-cbabccc e-con-full e-flex e-con e-child\" data-id=\"cbabccc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e359e21 elementor-widget elementor-widget-text-editor\" data-id=\"e359e21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Some HDB loan packages may include prepayment penalties if you make substantial repayments above your regular instalments. If you plan to make significant prepayments after refinancing, clarify whether your new loan has any such penalties. This will help you avoid unexpected costs and choose a loan that aligns with your repayment strategy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b4a618 e-flex e-con-boxed e-con e-parent\" data-id=\"1b4a618\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-83196f3 e-con-full e-flex e-con e-child\" data-id=\"83196f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-de639c8 e-con-full e-flex e-con e-child\" data-id=\"de639c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7432705 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7432705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to Refinance My HDB Loan to a Housing Loan in Singapore?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-942a7e7 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"942a7e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Refinancing your HDB loan might seem daunting, but it&#8217;s a straightforward process when broken down into steps. This guide will help you navigate the HDB bank loan refinance journey.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-91f15ae e-con-full e-flex e-con e-child\" data-id=\"91f15ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e07f3bc elementor-widget elementor-widget-n-accordion\" data-id=\"e07f3bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2350\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2350\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 1. Assess Your Financial Situation and Your Eligibility <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2350\" class=\"elementor-element elementor-element-6f45723 e-con-full e-flex e-con e-child\" data-id=\"6f45723\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae388a4 elementor-widget elementor-widget-text-editor\" data-id=\"ae388a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Before you start, evaluate your financial health, including your credit score, income and expenses. Ensure you meet the eligibility criteria, such as the Minimum Occupation Period (MOP) and loan-to-value (LTV) limits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2351\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2351\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 2. Research Market Conditions <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2351\" class=\"elementor-element elementor-element-a60d5cc e-con-full e-flex e-con e-child\" data-id=\"a60d5cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61d356d elementor-widget elementor-widget-text-editor\" data-id=\"61d356d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Stay updated on the prevailing HDB refinance interest rates and market trends. This will help you identify the optimal time to refinance, to secure the most favourable terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2352\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2352\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 3. Compare Loan Packages and Mortgage Rates <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2352\" class=\"elementor-element elementor-element-367979e e-con-full e-flex e-con e-child\" data-id=\"367979e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cc185b elementor-widget elementor-widget-text-editor\" data-id=\"8cc185b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Explore different loan packages from various banks and compare their interest rates, fees and features. Consider factors like loan tenure, lock-in periods and repayment options. <a href=\"\/\">Mortgage specialists in Singapore<\/a> \u2014 like those at Mortgage Master \u2014 can assist you in this process, providing expert advice, and access to a wide range of lenders to help you find the best HDB refinance rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2353\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2353\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 4. Necessary Documents Preparation <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2353\" class=\"elementor-element elementor-element-a2f8fe5 e-con-full e-flex e-con e-child\" data-id=\"a2f8fe5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fce1ac elementor-widget elementor-widget-text-editor\" data-id=\"4fce1ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>To apply for the refinancing of your HDB loan in Singapore, you&#8217;ll need to gather the following documents:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2353\" class=\"elementor-element elementor-element-9e98fd0 e-flex e-con-boxed e-con e-child\" data-id=\"9e98fd0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5433b10 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5433b10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Proof of Identity:<\/b> NRIC or Passport<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2353\" class=\"elementor-element elementor-element-daaee97 e-flex e-con-boxed e-con e-child\" data-id=\"daaee97\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1966e01 elementor-widget elementor-widget-text-editor\" data-id=\"1966e01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>HDB Flat Details <em>(from MyHDBPage)<\/em>:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd19df elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3bd19df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Flat details<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">HDB financial information<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Most recent outstanding loan statement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2353\" class=\"elementor-element elementor-element-2620006 e-flex e-con-boxed e-con e-child\" data-id=\"2620006\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f792549 elementor-widget elementor-widget-text-editor\" data-id=\"f792549\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>CPF Documents:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-891d68b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"891d68b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Most Recent CPF Property Withdrawal Statement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">CPF Transaction History: Obtain the last 12 months' history from your CPF account<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2353\" class=\"elementor-element elementor-element-bb2a25c e-flex e-con-boxed e-con e-child\" data-id=\"bb2a25c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99ae1ed elementor-widget elementor-widget-text-editor\" data-id=\"99ae1ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Notice of Assessment from IRAS: Download this from the IRAS MyTax Portal.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2353\" class=\"elementor-element elementor-element-e98b49c e-flex e-con-boxed e-con e-child\" data-id=\"e98b49c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5420ee3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5420ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Salary Slips:<\/b> Provide your latest 3 months' payslips.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ed0563 elementor-widget elementor-widget-n-accordion\" data-id=\"9ed0563\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1660\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1660\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 5. Value Assessment <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1660\" class=\"elementor-element elementor-element-bf842a6 e-con-full e-flex e-con e-child\" data-id=\"bf842a6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d5ae2f elementor-widget elementor-widget-text-editor\" data-id=\"5d5ae2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The bank will conduct a valuation of your property to determine the loan amount they can offer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1661\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1661\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 6. Apply For the Loan and Obtain Your Letter of Offer <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1661\" class=\"elementor-element elementor-element-3d17a1b e-con-full e-flex e-con e-child\" data-id=\"3d17a1b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38124ab elementor-widget elementor-widget-text-editor\" data-id=\"38124ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Submit your refinancing application to your chosen lender. Upon approval, you&#8217;ll receive a Letter of Offer outlining the loan terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1662\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1662\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 7. Select a Law Firm <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1662\" class=\"elementor-element elementor-element-d092e1a e-con-full e-flex e-con e-child\" data-id=\"d092e1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45ada95 elementor-widget elementor-widget-text-editor\" data-id=\"45ada95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Engage a lawyer to handle the legal aspects of the refinancing process, including conveyancing and documentation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1663\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1663\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 8. Finalise the Loan <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1663\" class=\"elementor-element elementor-element-c23916a e-con-full e-flex e-con e-child\" data-id=\"c23916a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cfe3f9 elementor-widget elementor-widget-text-editor\" data-id=\"4cfe3f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Work with your lawyer to complete the necessary paperwork and finalise the refinancing process. The new bank loan will then be used to pay off your existing HDB loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b52b6a e-flex e-con-boxed e-con e-parent\" data-id=\"7b52b6a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4e64c5b e-con-full e-flex e-con e-child\" data-id=\"4e64c5b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d2dad5 elementor-widget elementor-widget-heading\" data-id=\"9d2dad5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How Long Does Refinancing a Home Loan Take?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58b7651 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"58b7651\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tWhile the exact timeframe can vary, refinancing your HDB home loan in Singapore typically takes around 13 weeks. This duration encompasses several key stages:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-160941a e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"160941a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"23106586\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-231065861\" data-tab-title-id=\"e-n-tab-title-231065861\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-231065861\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tResearch and Comparison\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-231065862\" data-tab-title-id=\"e-n-tab-title-231065862\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-231065862\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tApplication and Approval\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-231065863\" data-tab-title-id=\"e-n-tab-title-231065863\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-231065863\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tLegal and Conveyancing\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-231065864\" data-tab-title-id=\"e-n-tab-title-231065864\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-231065864\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tLoan Disbursement\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-231065861\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-231065861\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-4cfa5e0 e-con-full e-flex e-con e-child\" data-id=\"4cfa5e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-958e3d9 e-flex e-con-boxed e-con e-child\" data-id=\"958e3d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7c549b4 e-con-full e-flex e-con e-child\" data-id=\"7c549b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1aaf93e elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"1aaf93e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_607083164-scaled.jpg\" class=\"attachment-full size-full wp-image-4845\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_607083164-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_607083164-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_607083164-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_607083164-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_607083164-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_607083164-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8752e9c e-con-full e-flex e-con e-child\" data-id=\"8752e9c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c83e04a elementor-widget elementor-widget-text-editor\" data-id=\"c83e04a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This initial phase involves researching different lenders and comparing their home loan refinance rates, interest rates and packages. It can take a few weeks, depending on the extent of your research and the complexity of your financial situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-231065862\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-231065862\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-c6b2931 e-con-full e-flex e-con e-child\" data-id=\"c6b2931\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-74a358f e-flex e-con-boxed e-con e-child\" data-id=\"74a358f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e64594a e-con-full e-flex e-con e-child\" data-id=\"e64594a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a765fc6 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"a765fc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_978728442-scaled.jpg\" class=\"attachment-full size-full wp-image-4849\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_978728442-scaled.jpg 2560w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_978728442-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_978728442-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_978728442-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_978728442-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_978728442-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-630a564 e-con-full e-flex e-con e-child\" data-id=\"630a564\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f09659 elementor-widget elementor-widget-text-editor\" data-id=\"0f09659\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Once you&#8217;ve chosen a lender, the application process itself can take a few days to a week. The lender will then assess your application, which may involve credit checks, income verification and property valuation. This approval process can take another week or two.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-231065863\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-231065863\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-1266aef e-con-full e-flex e-con e-child\" data-id=\"1266aef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-6ce160e e-flex e-con-boxed e-con e-child\" data-id=\"6ce160e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ad8c28 e-con-full e-flex e-con e-child\" data-id=\"3ad8c28\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-828ad9a elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"828ad9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2304\" height=\"1536\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310.jpg\" class=\"attachment-full size-full wp-image-2371\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310.jpg 2304w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-300x200.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-1024x683.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-768x512.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-1536x1024.jpg 1536w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/AdobeStock_287424310-2048x1365.jpg 2048w\" sizes=\"(max-width: 2304px) 100vw, 2304px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-325bb51 e-con-full e-flex e-con e-child\" data-id=\"325bb51\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d46ad6c elementor-widget elementor-widget-text-editor\" data-id=\"d46ad6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>After approval, you&#8217;ll need to engage a lawyer to handle the legal aspects of the refinancing, including the transfer of your property title to the new lender. This conveyancing process can take several weeks, depending on the efficiency of the lawyer and any unforeseen complications.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-231065864\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-231065864\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-b3bd0aa e-con-full e-flex e-con e-child\" data-id=\"b3bd0aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-c5da7be e-flex e-con-boxed e-con e-child\" data-id=\"c5da7be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c6587d6 e-con-full e-flex e-con e-child\" data-id=\"c6587d6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-348da46 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"348da46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"1080\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_718071717.jpg\" class=\"attachment-full size-full wp-image-4874\" alt=\"\" srcset=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_718071717.jpg 2048w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_718071717-300x158.jpg 300w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_718071717-1024x540.jpg 1024w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_718071717-768x405.jpg 768w, https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_718071717-1536x810.jpg 1536w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a8449ab e-con-full e-flex e-con e-child\" data-id=\"a8449ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fd25f6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2fd25f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Once the legal formalities are completed, the new lender will disburse the funds to pay off your existing mortgage. This usually takes a few days.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-212de0b e-flex e-con-boxed e-con e-parent\" data-id=\"212de0b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d60e676 e-con-full e-flex e-con e-child\" data-id=\"d60e676\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-eeaf7a3 e-con-full e-flex e-con e-child\" data-id=\"eeaf7a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-a60c393 e-con-full e-flex e-con e-child\" data-id=\"a60c393\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a30838 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8a30838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Best HDB Refinance Rates in Singapore<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9c1412 e-con-full e-flex e-con e-child\" data-id=\"b9c1412\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-3b55641 e-con-full e-flex e-con e-child\" data-id=\"3b55641\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-553805a e-con-full e-flex e-con e-child\" data-id=\"553805a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98fe2fe elementor-widget elementor-widget-icon-box\" data-id=\"98fe2fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLoan Amount\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSGD 1,200,000\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccb7700 elementor-widget elementor-widget-icon-box\" data-id=\"ccb7700\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLoan Tenor\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t30 years\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5890201 elementor-align-justify elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"5890201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Ijc5MzAiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Enquire Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f32ed8 e-con-full e-flex e-con e-parent\" data-id=\"6f32ed8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eaf2c4e elementor-widget elementor-widget-template\" data-id=\"eaf2c4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3543\" class=\"elementor elementor-3543\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58c47abb e-flex e-con-boxed e-con e-parent\" data-id=\"58c47abb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2eeb028e e-con-full e-flex e-con e-child\" data-id=\"2eeb028e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-786993af elementor-widget elementor-widget-heading\" data-id=\"786993af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Available Home Loan Packages as of September 2025\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cbc34a8 elementor-widget elementor-widget-heading\" data-id=\"5cbc34a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">56 results found \u2502 Banks will be disclosed during consultation<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0653064 elementor-widget elementor-widget-shortcode\" data-id=\"0653064\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"loan-slider loan-holder\"><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/Color-Horizontal-Mortgage-Master-Logo-scaled.png\" alt=\"Mortgage Master Logo\" style=\"max-width:150px;\">\n                    <span>1 Year Fixed (With 200K Deposit)<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.35 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.06K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.55 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Fixed interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\n(Must fund 200K before loan disbursement)<br>\nYear 1: 1.35% Fixed<br>\nYear 2: 1M SORA + 0.35%<br>\nYear 3: 1M SORA + 0.40%<br>\nThereafter: 1M SORA + 1.00%<br>\n- One free conversion after 12 months<br>\nCash rebate For refinancing only<br>\nLoan amount above 600K - $3,500<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-1\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/Color-Horizontal-Mortgage-Master-Logo-scaled.png\" alt=\"Mortgage Master Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>1 Year Fixed (With 200K Deposit)<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.35 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.06K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.55 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/241#wpcf7-f7407-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aaa5eaa8da82-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"17285195\"><label\n\t\t    for=\"wpcf7-6aaa5eaa8da82-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aaa5eaa8da82-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"2ebre8jq6u5q\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Standard-Chartered-logo.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n                    <span>1 Year Fixed (With 200K Fresh Funds)<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.35 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.06K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.55 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Fixed interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\n(Must deposit 200K fresh funds for 6 months)<br>\nYear 1: 1.35% Fixed<br>\nYear 2: 1M SORA + 0.35%<br>\nYear 3: 1M SORA + 0.40%<br>\nYear 4: 1M SORA + 0.50%<br>\nThereafter: 1M SORA + 0.90%<br>\n- One free conversion after 12 months<br>\n- Up to 50% partial repayment is allowed after 12 months<br>\n- Waiver due to sale after 12 months<br>\nLegal subsidy for refinancing only<br>\nLoan amount above 500K - $1,800<br>\nValuation subsidy for refinancing only <br>\nLoan amount above 500K - $350<br>\nLoan amount above 1.0M - $500<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-2\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Standard-Chartered-logo.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>1 Year Fixed (With 200K Fresh Funds)<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.35 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.06K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.55 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o2\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/241#wpcf7-f7407-o2\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aaa5eaa8e830-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"18795234\"><label\n\t\t    for=\"wpcf7-6aaa5eaa8e830-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aaa5eaa8e830-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"akgri1jwaysz\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/Color-Horizontal-Mortgage-Master-Logo-scaled.png\" alt=\"Mortgage Master Logo\" style=\"max-width:150px;\">\n                    <span>3-Month SORA<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.39 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.08K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.54 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Floating interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\nYear 1: 3M SORA + 0.20%<br>\nYear 2: 3M SORA + 0.20%<br>\nYear 3: 3M SORA + 0.65%<br>\nThereafter: 3M SORA + 0.75%<br>\n- One free conversion after 12 months<br>\n- Up to 20% partial repayment is allowed per year during lock in<br>\n- 50% waiver due to sales and refund another 50% if client takes the same or higher loan amount within 6 months<br>\nCash rebate for refinancing only<br>\nPrivate Loan amount above 450K - $2,000<br>\nPrivate Loan amount above 1.0M - $2,500<br>\nHDB loan amount above 250K - $2,000<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-3\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/07\/Color-Horizontal-Mortgage-Master-Logo-scaled.png\" alt=\"Mortgage Master Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>3-Month SORA<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.39 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.08K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.54 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o3\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/241#wpcf7-f7407-o3\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o3\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aaa5eaa8f4ff-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"75604075\"><label\n\t\t    for=\"wpcf7-6aaa5eaa8f4ff-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aaa5eaa8f4ff-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"yubpzadh030a\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Maybank-RSME-Business-Loan.jpg\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n                    <span>3-Month SORA<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.39 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.08K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.57 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Floating interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\nYear 1: 3M SORA + 0.20%<br>\nYear 2: 3M SORA + 0.20%<br>\nYear 3: 3M SORA + 0.75%<br>\nThereafter: 3M SORA + 1.00%<br>\n- One free conversion after 12 months<br>\nCash rebate for refinancing only<br>\n0.4% of loan amount, capped at $2,500<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-4\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Maybank-RSME-Business-Loan.jpg\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>3-Month SORA<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.39 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.08K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.57 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o4\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/241#wpcf7-f7407-o4\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o4\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aaa5eaa9027c-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"85262680\"><label\n\t\t    for=\"wpcf7-6aaa5eaa9027c-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aaa5eaa9027c-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"nkaonu1doqu8\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Standard-Chartered-logo.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n                    <span>2 Year Fixed Flexi (With 200K Fresh Funds)<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.40 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.08K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.49 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Fixed interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\n(Must deposit 200K fresh funds for 6 months)<br>\nYear 1: 1.40% Fixed<br>\nYear 2: 1.40% Fixed<br>\nYear 3: 1M SORA + 0.40%<br>\nYear 4: 1M SORA + 0.50%<br>\nThereafter: 1M SORA + 0.90%<br>\n- One free conversion after 12 months<br>\nLegal subsidy for refinancing only<br>\nLoan amount above 500K - $1,800<br>\nValuation subsidy for refinancing only <br>\nLoan amount above 500K - $350<br>\nLoan amount above 1.0M - $500<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-5\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/Standard-Chartered-logo.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>2 Year Fixed Flexi (With 200K Fresh Funds)<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.40 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.08K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.49 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o5\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/241#wpcf7-f7407-o5\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o5\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aaa5eaa90f4a-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"77706669\"><label\n\t\t    for=\"wpcf7-6aaa5eaa90f4a-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aaa5eaa90f4a-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"oeehaa0opkck\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><div class=\"slide\">\r\n\t\t\r\n            <div class=\"loanholder\">\r\n\r\n                <div class=\"heading-loan\">\r\n                    <img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/cimb-bank-logo-vector.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n                    <span>2 Year Fixed<\/span>\r\n                <\/div>\r\n\r\n                <div class=\"mid-content\">\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Interest<\/span>\r\n                            <span>1.40 %<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>First Year Monthly Installment<\/span>\r\n                            <span>4.08K<\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                    <div class=\"interest-holder\">\r\n                        <div class=\"item-holder\">\r\n                            <span>Loan Tenor<\/span>\r\n                            <span>30 years<\/span>\r\n                        <\/div>\r\n\r\n                        <div class=\"item-holder\">\r\n                            <span>Three Year Average Interest<\/span>\r\n                            <span>1.56 % <\/span>\r\n                        <\/div>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n\r\n                <div class=\"description-holder\">\r\n                    <ul>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i> Fixed interest rates<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>2 year lock-in<\/li>\r\n                        <li><i class=\"fa fa-check\" aria-hidden=\"true\"><\/i>(Minimum loan amount requirement applies)<br>\nYear 1: 1.40% Fixed<br>\nYear 2: 1.40% Fixed<br>\nYear 3: 3M SORA + 0.70%<br>\nThereafter: 3M SORA + 1.00%<br>\n- One \u2060free conversion within 3 months from lock in expiry date<br>\n- 100% penalty refund due to sale if min 200K new loan to be taken up within 6 months<br>\nSubsidy is applicable to both purchase and refinancing<br>\n- Legal subsidy 0.30% of loan amount, capped at $2,000<br>\n- Valuation subsidy $500 for loan amount above 800K<\/li>\r\n                    <\/ul>\r\n                <\/div>\r\n\r\n                <div class=\"footer-bottom-content\">\r\n                    <a class=\"showmorebtn\">Show more<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t <a href=\"\/loan-results\/?loan_amount=1200000&loan_type=Refinancing&property_type=Private-1&property_status=Completed&interest_type=Both&tenor=30\" >\r\n                        Find Out More\r\n                    \t<\/a>\r\n\t\t\t\t\t                <\/div>\r\n\r\n            <\/div>\r\n\r\n            <div id=\"loan-popup-6\" class=\"mfp-hide loan-popup-content\">\r\n\t\t\t\t<div class=\"heading-popup\">\r\n\t\t\t\t\t<h2>\r\n\t\t\t\t\t\tOur consultants are standing by!\r\n\t\t\t\t\t<\/h2>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"info-loan-holder\">\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Amount<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">SGD1200000<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Tenor<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\">30 Years<\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t<span class=\"subtext\">Loan Type<\/span>\r\n\t\t\t\t\t\t<span class=\"amount-loan-popup\"><\/span>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t\t\t \r\n\t\t\t\t\t<div class=\"loan-information\">\r\n\t\t\t\t\t\t<div class=\"heading-loan\">\r\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/mortgagemaster-files.s3.ap-southeast-1.amazonaws.com\/files\/Bank%20Logos\/cimb-bank-logo-vector.png\" alt=\"Bank Logo\" style=\"max-width:150px;\">\n\t\t\t\t\t\t\t<span>2 Year Fixed<\/span>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t \t<div class=\"mid-content1\">\r\n\r\n                    \t\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.40 %<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>First Year Monthly Installment<\/span>\r\n\t\t\t\t\t\t\t\t<span>4.08K<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Loan Tenor<\/span>\r\n\t\t\t\t\t\t\t\t<span>30 years<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t \r\n\t\t\t\t\t\t \t<div class=\"item\">\r\n\t\t\t\t\t\t\t\t<span>Three Year Average Interest<\/span>\r\n\t\t\t\t\t\t\t\t<span>1.56 % <\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t<div class=\"form-holder\">\r\n\t\t\t\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f7407-o6\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"7407\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/pages\/241#wpcf7-f7407-o6\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"7407\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f7407-o6\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><label> Full Name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"PhoneNumber\" \/><\/span> <\/label>\n<\/p>\n<input class=\"wpcf7-form-control wpcf7-hidden first-year-interest\" value=\"\" type=\"hidden\" name=\"FirstYearInterest\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-schema-value\" value=\"\" type=\"hidden\" name=\"LoanSchema\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-amount\" value=\"\" type=\"hidden\" name=\"loanamount\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden monthly-installement\" value=\"\" type=\"hidden\" name=\"monthlyinstallement\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-tenor\" value=\"\" type=\"hidden\" name=\"loantenor\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden loan-type\" value=\"\" type=\"hidden\" name=\"loantype\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden three-years-average\" value=\"\" type=\"hidden\" name=\"threeyearsaverage\" \/>\n<p><span id=\"wpcf7-6aaa5eaa91be0-wrapper\" class=\"wpcf7-form-control-wrap honeypot-381-wrap\" data-cf7apps-honeypot=\"honeypot-381\" style=\"display: block;\n\t\t    width: 0px;\n\t\t    height: 0px;\n\t\t    padding: 0px;\n\t\t    border: 1px solid transparent;\n\t\t    display: block;\n\t\t    overflow: hidden;\n\t\t    \"><input type=\"hidden\" name=\"honeypot-381-random-hash\" value=\"58676257\"><label\n\t\t    for=\"wpcf7-6aaa5eaa91be0-field\"\n\t\t    class=\"hp-message\"\n        >Please leave this field empty.<\/label><input\n\t    id=\"wpcf7-6aaa5eaa91be0-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"l3li4m4ok4pb\"\n\t    value=\"\"\n\t    size=\"40\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n    \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enquire Now\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n            <\/div>\r\n\r\n\r\n    <\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48fe8f3 e-flex e-con-boxed e-con e-parent\" data-id=\"48fe8f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d66f98b e-con-full e-flex e-con e-child\" data-id=\"d66f98b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a7d5e0 elementor-widget elementor-widget-heading\" data-id=\"9a7d5e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why Choose Mortgage Master to Refinance Your HDB Loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-420f6a1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"420f6a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>With over 6,500 satisfied clients and S$800 million in loans managed, Mortgage Master is your trusted partner for HDB refinancing, dedicated to finding you the best HDB refinance rate and simplifying the process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d036761 e-con-full e-flex e-con e-child\" data-id=\"d036761\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-b1e4b64 e-con-full e-flex e-con e-child\" data-id=\"b1e4b64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad5a4f9 elementor-widget elementor-widget-heading\" data-id=\"ad5a4f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Over<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54d5c89 elementor-widget elementor-widget-counter\" data-id=\"54d5c89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"500\" data-to-value=\"6500\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e44fb43 elementor-widget elementor-widget-heading\" data-id=\"e44fb43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Satisfied Clients<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b0a955 e-con-full e-flex e-con e-child\" data-id=\"1b0a955\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3aa403 elementor-widget elementor-widget-heading\" data-id=\"e3aa403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Over<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c864fe elementor-widget elementor-widget-counter\" data-id=\"0c864fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">$<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"500\" data-to-value=\"800\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">m<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ada8d88 elementor-widget elementor-widget-heading\" data-id=\"ada8d88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Loan Value<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e835b97 e-con-full e-flex e-con e-parent\" data-id=\"e835b97\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-715438a elementor-widget elementor-widget-template\" data-id=\"715438a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3280\" class=\"elementor elementor-3280\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24971967 e-flex e-con-boxed e-con e-parent\" data-id=\"24971967\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1ee7598b e-con-full e-flex e-con e-child\" data-id=\"1ee7598b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20bc2268 elementor-mobile-align-center elementor-widget-tablet__width-inherit elementor-tablet-align-center elementor-widget elementor-widget-button\" data-id=\"20bc2268\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">testimonials<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ac2591c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ac2591c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What People Are Saying<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374dff38 elementor-widget elementor-widget-shortcode\" data-id=\"374dff38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"wp-gr rpi wpac\" style=\"--rev-color: #ffffff;\" data-id=\"1606\" data-layout=\"grid\" data-exec=\"false\" data-options='{&quot;text_size&quot;:&quot;&quot;,&quot;trans&quot;:{&quot;read more&quot;:&quot;read more&quot;}}'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"display:none!important\"><symbol id=\"grw-tripadvisor\" viewBox=\"0 0 713.496 713.496\"><g><circle fill=\"#34E0A1\" cx=\"356.749\" cy=\"356.748\" r=\"356.748\"\/><path d=\"M577.095,287.152l43.049-46.836h-95.465c-47.792-32.646-105.51-51.659-167.931-51.659   c-62.342,0-119.899,19.054-167.612,51.659H93.432l43.049,46.836c-26.387,24.075-42.929,58.754-42.929,97.259   c0,72.665,58.914,131.578,131.579,131.578c34.519,0,65.968-13.313,89.446-35.077l42.172,45.919l42.172-45.879   c23.478,21.764,54.887,35.037,89.406,35.037c72.665,0,131.658-58.913,131.658-131.578   C620.024,345.866,603.483,311.188,577.095,287.152z M225.17,473.458c-49.188,0-89.047-39.859-89.047-89.047   s39.86-89.048,89.047-89.048c49.187,0,89.047,39.86,89.047,89.048S274.357,473.458,225.17,473.458z M356.788,381.82   c0-58.595-42.61-108.898-98.853-130.383c30.413-12.716,63.776-19.771,98.813-19.771s68.439,7.055,98.853,19.771   C399.399,272.962,356.788,323.226,356.788,381.82z M488.367,473.458c-49.188,0-89.048-39.859-89.048-89.047   s39.86-89.048,89.048-89.048s89.047,39.86,89.047,89.048S537.554,473.458,488.367,473.458z M488.367,337.694   c-25.79,0-46.677,20.887-46.677,46.677c0,25.789,20.887,46.676,46.677,46.676c25.789,0,46.676-20.887,46.676-46.676   C535.042,358.621,514.156,337.694,488.367,337.694z M271.846,384.411c0,25.789-20.887,46.676-46.676,46.676   s-46.676-20.887-46.676-46.676c0-25.79,20.887-46.677,46.676-46.677C250.959,337.694,271.846,358.621,271.846,384.411z\"\/><\/g><\/symbol><symbol id=\"grw-google\" viewBox=\"0 0 512 512\"><g fill=\"none\" fill-rule=\"evenodd\"><path d=\"M482.56 261.36c0-16.73-1.5-32.83-4.29-48.27H256v91.29h127.01c-5.47 29.5-22.1 54.49-47.09 71.23v59.21h76.27c44.63-41.09 70.37-101.59 70.37-173.46z\" fill=\"#4285f4\"\/><path d=\"M256 492c63.72 0 117.14-21.13 156.19-57.18l-76.27-59.21c-21.13 14.16-48.17 22.53-79.92 22.53-61.47 0-113.49-41.51-132.05-97.3H45.1v61.15c38.83 77.13 118.64 130.01 210.9 130.01z\" fill=\"#34a853\"\/><path d=\"M123.95 300.84c-4.72-14.16-7.4-29.29-7.4-44.84s2.68-30.68 7.4-44.84V150.01H45.1C29.12 181.87 20 217.92 20 256c0 38.08 9.12 74.13 25.1 105.99l78.85-61.15z\" fill=\"#fbbc05\"\/><path d=\"M256 113.86c34.65 0 65.76 11.91 90.22 35.29l67.69-67.69C373.03 43.39 319.61 20 256 20c-92.25 0-172.07 52.89-210.9 130.01l78.85 61.15c18.56-55.78 70.59-97.3 132.05-97.3z\" fill=\"#ea4335\"\/><path d=\"M20 20h472v472H20V20z\"\/><\/g><\/symbol><\/svg><div class=\"grw-row grw-row-m\" data-options='{&quot;breakpoints&quot;:&quot;1:1,3000:3&quot;}'><div class=\"grw-content\"><div class=\"grw-content-inner\"><div class=\"grw-reviews\"><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_f8bd41b0b0dc5fcd69299fd3f274b8ea.jpg\" loading=\"lazy\" alt=\"Jia Wei Lim profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111471362066543250459\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jia Wei Lim<\/a><div class=\"wp-google-time\" data-time=\"1783150525\">2 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Adam from Mortgage Master is highly professional and helped me secure low-interest mortgages for both my first home purchase and a subsequent refinance. I highly recommend his services.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_e87028f3f0b6456f10cb248b4c19045e.jpg\" loading=\"lazy\" alt=\"Titus Taro profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108524714484524343490\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Titus Taro<\/a><div class=\"wp-google-time\" data-time=\"1782824734\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Very happy to be guided by Adam at Mortgage Master along this process of refinancing of my and my partner\u2019s properties. His research, analysis and prompt communication make the process so smooth and efficient for us, especially as we have no time to study and compare the loan packages and the fine prints. We don\u2019t even know who at the banks to call. Adam\u2019s independent views are assuring when we felt bogged down by the flood of numbers and information, like a side mirror bringing our blind spots into perspective, helping us ask the right questions about what we really want in the context of the changing economic landscape and our financial plan for the future.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_8c1cde0138512b25d5ed323306228418.jpg\" loading=\"lazy\" alt=\"Aung Myat Oo - Darren profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/112703002488634561575\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Aung Myat Oo - Darren<\/a><div class=\"wp-google-time\" data-time=\"1782807894\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Can't thank Henry enough for his help with my mortgage! He is super polite, patient, and knows his stuff inside out. He made a normally stressful process so much easier by always being available to answer my messages, even during the weekends. 5 stars!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_0591c0e0aacd9d170360729c1c70d38a.jpg\" loading=\"lazy\" alt=\"Tay J. profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/117850530252782704613\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Tay J.<\/a><div class=\"wp-google-time\" data-time=\"1782519703\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Highly recommend Henry Koo, he was professional, responded clearly and quickly to all my queries and very approachable and helpful too.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_44823935261397f3f715828c5eaba0ee.jpg\" loading=\"lazy\" alt=\"Vasu Kollur profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115678103127585759930\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Vasu Kollur<\/a><div class=\"wp-google-time\" data-time=\"1782390682\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Dear Jackson Ng<br \/><br \/>\u201cI benefited greatly from the mortgage advisory service. Jackson helped me refinance my home loan by introducing me to the right bank officer and clearly explaining the different interest rates offered by various banks. The entire process was smooth and well-guided, and I was able to secure an affordable rate that suited my needs. I highly appreciate the professional service and would rate it 5 out of 5 stars.\u201d<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_6c26bdb21ca2474fda21b16c7de71d8a.jpg\" loading=\"lazy\" alt=\"Prashant Datt profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/114199607760456766016\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Prashant Datt<\/a><div class=\"wp-google-time\" data-time=\"1780912729\">3 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Outstanding service from Adam at Mortgage Master. He really helped to cut through the noise of complex bank packages to deliver clear, transparent choices for my home financing. He is highly efficient with document management, quick to respond to queries, and completely unbiased in his recommendations. His work saved me a significant amount of administrative stress and secured an excellent package. Will definitely look to Mortgage Master again for future repricing or refinancing needs. Highly recommended!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_94e73badd6ba7506f88fa1b93d4792b5.jpg\" loading=\"lazy\" alt=\"Baron Yeo \u201cHomeWithBaron\u201d profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/110068969250559504691\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Baron Yeo \u201cHomeWithBaron\u201d<\/a><div class=\"wp-google-time\" data-time=\"1777607280\">5 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Pleasure working with Jacky. He is very detail oriented and patient, always taking the time to understand my needs and adjust accordingly to market updates in a very efficient manner. He is also highly knowledgeable about current bank rates and financing options, which made the entire process much smoother.<br \/><br \/>What stood out most was his responsiveness and commitment. He kept me updated at every stage and ensured nothing was overlooked. Overall, a very reliable and trustworthy mortgage broker. I would definitely recommend him to anyone looking for a smooth and well-guided property journey.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_222a0f8175f643b0f055d42b30b07378.jpg\" loading=\"lazy\" alt=\"Keith T profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/112525255668396508406\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Keith T<\/a><div class=\"wp-google-time\" data-time=\"1777473546\">5 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Engaged Mortgage Master for my previous home and it was without a hitch and everything went smoothly. Was able to secure myself a good interest fixed rate that shielded me from the rate hikes not long ago. This time for my new home, I was keen to engage them as well and Jackie attended to me. He was able to understand my requirements and helped source me the best loan deal. In fact when the options presented were not to my expectation, he helped pushed for a better deal. He was prompt in answering my queries as well and did the check ins with me. Overall I am satisfied with the experience and recommend others to engage MM for their mortgage requirements.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_a093d67109d03da0f7a310075e78cb95.jpg\" loading=\"lazy\" alt=\"Jun Gong (June) profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/103703707563478585245\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jun Gong (June)<\/a><div class=\"wp-google-time\" data-time=\"1776862292\">5 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">I had a great experience working with Mr. Irving Yang from Mortgage Master. As first-time home buyers, we truly appreciated his patience and professionalism throughout the entire process. He took the time to explain every detail clearly, from different loan structures to the finer points of mortgage packages, ensuring we fully understood our options before making any decisions.<br \/><br \/>Irving is highly knowledgeable and provided valuable insights that helped us secure a very competitive mortgage package. What stood out most was his responsiveness and willingness to go the extra mile to address all our questions and concerns, no matter how small.<br \/><br \/>We feel very fortunate to have had his guidance during such an important milestone. I would highly recommend Irving to anyone looking for a reliable and professional mortgage advisor.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2026\/07\/ChIJW9IPrAMX2jER1qPw2H-vGL0_29c4a5e06c9e42ca9446cd93f806f803.jpg\" loading=\"lazy\" alt=\"Lam profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108221772543683762654\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Lam<\/a><div class=\"wp-google-time\" data-time=\"1769531574\">8 months ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">I had an excellent experience with my mortgage broker, Jackie. He was proactive and thorough in explaining the mortgage process, including loan structures, SORA, and the rationale behind different bank options. His guidance was clear, up to date with current market conditions, and backed by strong experience.<br \/><br \/>He was also very resourceful in engaging the right bank contacts, quick with updates, and extremely responsive throughout. What I appreciated most was that he was truly on my side - guiding me on how to structure and present my application properly, and exploring every possible option instead of simply saying \u201ccannot\u201d. Highly recommended! ?<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_73e7fd7c8e9a8e93818f1c9a2f6257b1.jpg\" loading=\"lazy\" alt=\"Gina Ratnasari profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/107770564830435835121\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Gina Ratnasari<\/a><div class=\"wp-google-time\" data-time=\"1753839463\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">I reached out to mortgage master to get advice on managing my mortage for my house purchase.<br \/><br \/>Francis is very helpful and ready to answer my questions about mortgage almost immediately. I would have signed the mortgage through his service if only I had enough time to manage the legal procedures for the purchase. I would definitely ask his help in my next refinancing of the house though.<br \/><br \/>Thanks Francis for the advices and help. Would definitely work with you in the next chance.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_998f85d072b21335b92c26eabc3bc2f7.jpg\" loading=\"lazy\" alt=\"Uno profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115096157516546812534\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Uno<\/a><div class=\"wp-google-time\" data-time=\"1753799837\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">I\u2019m writing to express my appreciation for the exceptional advisory service provided by Jackie, a mortgage specialist with Mortgage Master.<br \/><br \/>While i was skeptical at first, Jackie patiently explained how I could benefit from the advisory service. And indeed, i would not have gotten such a good deal if not for him. I am impressed by his professionalism, responsiveness, patience and deep knowledge, having considered my loan from all angles. He tirelessly explained various options and suggested the best one for me. The banker he linked me up with was equally professional. And I got the max loan i wanted within 2 weeks.<br \/><br \/>Because of this positive experience, I would not hesitate to recommend Jackie to friends who need mortgage options.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_a81439076b2836f2001e5280ba12a810.jpg\" loading=\"lazy\" alt=\"B Ng profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/114456296460073730916\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">B Ng<\/a><div class=\"wp-google-time\" data-time=\"1753794039\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Saying Mitchell is an expert in this field is an understatement.He is able to anticipate clients concern and swiftly provide well thought out advices. His response is almost immediate and always with precision. With his guidance, I am able to analysis clearly which package is most suited for me despite the numerous requirements I have. I am most impressed with his knowledge and pleasant disposition among all the other players in the market. Really hope to engage his help again in the future.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_cf8808a6d7672bdbac502a88a09e693b.jpg\" loading=\"lazy\" alt=\"Abel Tan profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115434669492970099409\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Abel Tan<\/a><div class=\"wp-google-time\" data-time=\"1753760905\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Francis Chua is honest and cares that you get the right loan for your situation. Didn\u2019t upsell me when I mention that I might sell and instead advise me to do a repricing. Thanks!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_82b8a6b79e83a028b5f64b24265894e5.jpg\" loading=\"lazy\" alt=\"Jason Yong profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/113929797300377277909\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Jason Yong<\/a><div class=\"wp-google-time\" data-time=\"1753757620\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">We received prompt and professional mortgage advice and service from Francis of Mortgage Master. He is attentive and responds quickly. Highly recommended.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_fd6e83372c8c9a14645647d271f7d188.jpg\" loading=\"lazy\" alt=\"YT Wu (Yingtong) profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/104792789366447154060\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">YT Wu (Yingtong)<\/a><div class=\"wp-google-time\" data-time=\"1753697272\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Francis Chua is very professional, helpful and responsive, making my re-financing experience smooth and fast. Highly recommended.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_f840768b090d4595335e5a2aee75107e.jpg\" loading=\"lazy\" alt=\"gabriel ng profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/102883973531104084950\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">gabriel ng<\/a><div class=\"wp-google-time\" data-time=\"1753687696\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Francis was very helpful!<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_953e0f903c1ccb3ca759e1965a1a7025.jpg\" loading=\"lazy\" alt=\"Goh ailin profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/116251169150019899935\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Goh ailin<\/a><div class=\"wp-google-time\" data-time=\"1753526050\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Good Service,Thank you<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_3b6701a89fa403f7d29d7095c37447c1.jpg\" loading=\"lazy\" alt=\"Beverly Tan profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111321638944311247292\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Beverly Tan<\/a><div class=\"wp-google-time\" data-time=\"1753497863\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Francis was very helpful in my recent refinancing effort. He proactively checked in, recommended the best deals in the market, provided unbias advice and patiently addressed my numerous queries. He neither hard sells nor pressures you to act against your comfort or interest, and is a trustworthy mortgage advisor to journey with for mortgage decisions.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><div class=\"rpi-slide grw-review grw-hide\"><div class=\"rpi-flx rpi-col12 grw-review-inner grw-backgnd\"><div class=\"rpi-flx rpi-row12-center\"><div class=\"grw-img-wrap\"><img loading=\"lazy\" decoding=\"async\" class=\"grw-img\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/ChIJW9IPrAMX2jER1qPw2H-vGL0_e74959453aaf3473381a54d4be7d0b5c.jpg\" loading=\"lazy\" alt=\"Felix Chan profile picture\" width=\"50\" height=\"50\" onerror=\"if(this.src!='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png')this.src='https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/plugins\/widget-google-reviews\/assets\/img\/guest.png';\" ><\/div><div class=\"rpi-flx rpi-col6\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/108642821263347378632\/reviews\" class=\"wp-google-name\" target=\"_blank\" rel=\"nofollow noopener\">Felix Chan<\/a><div class=\"wp-google-time\" data-time=\"1753334008\">1 year ago<\/div><\/div><\/div><span class=\"rpi-stars\" style=\"--rating:5\"><\/span><div class=\"rpi-flx rpi-col4\"><div class=\"wp-google-feedback grw-scroll\" ><span class=\"wp-google-text\">Very good information ahared.<\/span><\/div><\/div><svg height=\"16\" width=\"16\" role=\"none\"><use href=\"#grw-google\"\/><\/svg><\/div><\/div><\/div><\/div><a class=\"wp-google-url\" href=\"#\" onclick=\"return rplg_next_reviews.call(this, 'grw', 3);\">                    More reviews                <\/a><\/div><\/div><script>(function(p){if(!p)return;let w=p.offsetWidth,m=function(a,b){return Math.min(a,b)===a};p.querySelector('.grw-row').classList.replace('grw-row-m','grw-row-'+(m(w,510)?'xs':m(w,750)?'x':m(w,1100)?'s':m(w,1450)?'m':m(w,1800)?'l':'xl'))})(document.currentScript?.parentElement)<\/script><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c691410 e-flex e-con-boxed e-con e-parent\" data-id=\"c691410\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0423a67 e-con-full e-flex e-con e-child\" data-id=\"0423a67\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47b2890 elementor-widget elementor-widget-heading\" data-id=\"47b2890\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Secure The Best Refinance Home Loan with Us Today<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-235138c elementor-widget elementor-widget-button\" data-id=\"235138c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/api.whatsapp.com\/send?phone=6597858487&#038;text=Hi,%20can%20you%20guide%20me%20on%20getting%20the%20lowest%20rates?\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Consult With Us <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d8c6487 e-flex e-con-boxed e-con e-parent\" data-id=\"d8c6487\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4c653aa e-con-full e-flex e-con e-child\" data-id=\"4c653aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div class=\"elementor-element elementor-element-3bb3c75 e-con-full e-flex e-con e-child\" data-id=\"3bb3c75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56674a4 elementor-widget elementor-widget-heading\" data-id=\"56674a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FAQs about HDB Loan Refinancing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a52fd99 e-con-full e-flex e-con e-child\" data-id=\"a52fd99\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a56a28a elementor-widget elementor-widget-n-accordion\" data-id=\"a56a28a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1730\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1730\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I refinance my HDB loan to another HDB loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1730\" class=\"elementor-element elementor-element-93ec592 e-con-full e-flex e-con e-child\" data-id=\"93ec592\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38dff01 elementor-widget elementor-widget-text-editor\" data-id=\"38dff01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No, you cannot refinance your existing HDB housing loan with another HDB housing loan. HDB housing loans are designed for the initial purchase of an HDB flat and are not available for refinancing purposes. However, you can refinance your HDB housing loan with a bank loan, often called a HDB bank loan, to potentially secure the best interest rates possible and more flexible terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1731\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1731\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I switch back from a bank loan to a HDB loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1731\" class=\"elementor-element elementor-element-09411b4 e-con-full e-flex e-con e-child\" data-id=\"09411b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cd208b elementor-widget elementor-widget-text-editor\" data-id=\"6cd208b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No, once you&#8217;ve refinanced your HDB flat with a HDB bank loan, you cannot switch back to a HDB housing loan for the same property. Therefore, it&#8217;s crucial to carefully consider all the details and implications of refinancing with a bank loan before making a decision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1732\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1732\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I refinance my HDB loan multiple times? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1732\" class=\"elementor-element elementor-element-80c677c e-con-full e-flex e-con e-child\" data-id=\"80c677c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99bafce elementor-widget elementor-widget-text-editor\" data-id=\"99bafce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes, you can refinance your HDB bank loan multiple times, as long as you meet the eligibility requirements each time. This allows you to take advantage of newer and more competitive loan packages that may become available. However, it&#8217;s important to consider the costs involved in refinancing, such as legal and valuation fees, and ensure that refinancing aligns with your long-term financial goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cf3b61 e-con-full e-flex e-con e-parent\" data-id=\"7cf3b61\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e339325 elementor-widget elementor-widget-template\" data-id=\"e339325\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3271\" class=\"elementor elementor-3271\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38b1aaeb e-flex e-con-boxed e-con e-parent\" data-id=\"38b1aaeb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3b09c1b5 e-con-full e-flex e-con e-child\" data-id=\"3b09c1b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29ff1f14 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"29ff1f14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Our Bank Partners<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e470f79 hod-img-carousel elementor-widget elementor-widget-image-carousel\" data-id=\"7e470f79\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;6&quot;,&quot;navigation&quot;:&quot;none&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;3&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_show_laptop&quot;:&quot;4&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;image_spacing_custom_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-1.png\" alt=\"bank-logo (1)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-2.png\" alt=\"bank-logo (2)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-3.png\" alt=\"bank-logo (3)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-4.png\" alt=\"bank-logo (4)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-5.png\" alt=\"bank-logo (5)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-6.png\" alt=\"bank-logo (6)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-7.png\" alt=\"bank-logo (7)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-8.png\" alt=\"bank-logo (8)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-9.png\" alt=\"bank-logo (9)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-10.png\" alt=\"bank-logo (10)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"11 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/08\/bank-logo-11.png\" alt=\"bank-logo (11)\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Our Services Best HDB Refinance Home Loan Rates in Singapore What Is HDB Loan Refinancing? HDB loan refinancing is the process of switching your existing Housing Development Board (HDB) loan to a new home loan package, offered by a bank or another financial institution (FI). This allows you to potentially take advantage of lower [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-241","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best HDB Loan Refinance Rates in Singapore 2025 | Mortgage Master<\/title>\n<meta name=\"description\" content=\"Find the best HDB refinance rate with Mortgage Master. Explore HDB bank loan refinance options and compare HDB refinance interest rates today!\" \/>\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\/mortgagemaster.com.sg\/refinancing-hdb-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best HDB Loan Refinance Rates in Singapore 2025 | Mortgage Master\" \/>\n<meta property=\"og:description\" content=\"Find the best HDB refinance rate with Mortgage Master. Explore HDB bank loan refinance options and compare HDB refinance interest rates today!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Mortgage Master\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-20T03:01:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-scaled.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/refinancing-hdb-loan\\\/\",\"url\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/refinancing-hdb-loan\\\/\",\"name\":\"Best HDB Loan Refinance Rates in Singapore 2025 | Mortgage Master\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/refinancing-hdb-loan\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/refinancing-hdb-loan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/AdobeStock_326575797-scaled.jpg\",\"datePublished\":\"2025-07-29T05:55:18+00:00\",\"dateModified\":\"2026-04-20T03:01:55+00:00\",\"description\":\"Find the best HDB refinance rate with Mortgage Master. Explore HDB bank loan refinance options and compare HDB refinance interest rates today!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/refinancing-hdb-loan\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/mortgagemaster.com.sg\\\/refinancing-hdb-loan\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/refinancing-hdb-loan\\\/#primaryimage\",\"url\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/AdobeStock_326575797-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/AdobeStock_326575797-scaled.jpg\",\"width\":2560,\"height\":1708},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/refinancing-hdb-loan\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Refinancing HDB Loan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/#website\",\"url\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/\",\"name\":\"Mortgage Master\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/mortgagemaster.com.sg\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Best HDB Loan Refinance Rates in Singapore 2025 | Mortgage Master","description":"Find the best HDB refinance rate with Mortgage Master. Explore HDB bank loan refinance options and compare HDB refinance interest rates today!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/","og_locale":"en_US","og_type":"article","og_title":"Best HDB Loan Refinance Rates in Singapore 2025 | Mortgage Master","og_description":"Find the best HDB refinance rate with Mortgage Master. Explore HDB bank loan refinance options and compare HDB refinance interest rates today!","og_url":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/","og_site_name":"Mortgage Master","article_modified_time":"2026-04-20T03:01:55+00:00","og_image":[{"url":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-scaled.jpg","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/","url":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/","name":"Best HDB Loan Refinance Rates in Singapore 2025 | Mortgage Master","isPartOf":{"@id":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/#website"},"primaryImageOfPage":{"@id":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/#primaryimage"},"image":{"@id":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-scaled.jpg","datePublished":"2025-07-29T05:55:18+00:00","dateModified":"2026-04-20T03:01:55+00:00","description":"Find the best HDB refinance rate with Mortgage Master. Explore HDB bank loan refinance options and compare HDB refinance interest rates today!","breadcrumb":{"@id":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/#primaryimage","url":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-scaled.jpg","contentUrl":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-content\/uploads\/2025\/09\/AdobeStock_326575797-scaled.jpg","width":2560,"height":1708},{"@type":"BreadcrumbList","@id":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/refinancing-hdb-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/"},{"@type":"ListItem","position":2,"name":"Refinancing HDB Loan"}]},{"@type":"WebSite","@id":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/#website","url":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/","name":"Mortgage Master","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-json\/wp\/v2\/pages\/241","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-json\/wp\/v2\/comments?post=241"}],"version-history":[{"count":166,"href":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-json\/wp\/v2\/pages\/241\/revisions"}],"predecessor-version":[{"id":7948,"href":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-json\/wp\/v2\/pages\/241\/revisions\/7948"}],"wp:attachment":[{"href":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/mortgagemaster.com.sg\/wp-json\/wp\/v2\/media?parent=241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}