Check your current package
Review the lock-in period, existing rate, redemption conditions and any clawback.
Refinance or reprice your home loan
See whether repricing or refinancing could save you more.
Review your current loan against suitable alternatives, considering the new rate, lock-in, legal costs, clawbacks, rebates and how long you expect to keep the property.
- Reprice versus refinance compare staying with your bank against switching
- Net costs considered including fees, penalties, clawbacks and rebates
- Timing matters especially around your lock-in and future plans
About 2 minutes · No customer brokerage fee · No obligation to proceed
Your current home loan
Start with your loan basics
An adviser will use these details to focus the refinancing review.
Thank you
A Mortgage Master adviser will contact you shortly to understand what you need.
3directions: stay, reprice or refinance
Netcosts and rebates considered
$0customer brokerage fee
Current loan and alternatives compared
Compare the net outcome
A lower rate does not automatically mean greater savings.
The useful question is whether the new package leaves you better off after switching costs and whether its conditions fit the time you expect to retain the loan.
Ask for a repricing offer
Compare what your current bank can offer against suitable packages from other lenders.
Assess the break-even point
Consider legal and valuation costs, rebates and expected savings over the relevant period.
Refinancing comparison
Compare switching against staying.
Mortgage Master reviews suitable refinancing packages from its bank network so you can compare them with your current bank’s repricing direction.
As featured on
What happens next
From current loan to a net comparison.
Review the current loan
Share your property type, outstanding amount and current bank, then check your rate and lock-in details with the adviser.
Compare the alternatives
Assess repricing and suitable refinancing packages, including their costs and conditions.
Proceed only if it adds up
Choose a direction after considering the expected savings, break-even period and future plans.
Questions, answered
Know what to expect before you enquire.
Understand the costs and timing before switching your home loan.
What is the difference between repricing and refinancing?
Repricing changes your package with your existing bank. Refinancing replaces the loan with a package from another bank. Repricing may involve fewer switching costs, while refinancing gives you more lenders to compare.
Can I compare options before my lock-in ends?
Yes, but leaving during the lock-in may trigger penalties or subsidy clawbacks. Check the notice period and conditions in your current Letter of Offer before deciding when to act.
Which costs should I include in the comparison?
Consider legal and valuation fees, redemption penalties, subsidy clawbacks, repricing or conversion fees, available rebates and the expected interest cost over the period you plan to retain the loan.
Can I refinance an HDB loan to a bank loan?
Eligible HDB borrowers may switch from an HDB loan to a bank loan. A bank loan cannot later be refinanced back into an HDB housing loan, so the long-term trade-offs should be considered carefully.
Compare before switching
Review the net outcome, not only the new rate.
Share your current loan basics and let an adviser compare the available refinancing directions with you.