Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.70% Fixed
Year 2: 2.70% Fixed
Year 3: 3M SORA + 0.55%
Year 4: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
- One free conversion after 24 months
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.85% Fixed
Year 2: 2.85% Fixed
Thereafter: 3M SORA + 1.00%
Legal and valuation subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.85% Fixed
Year 2: 1M SORA + 0.60%
Year 3: 1M SORA + 0.65%
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
- Up to 50% partial payment is allowed after 12 months
Legal and valuation subsidy for both purchase and refinance
- 0.4% of loan amount, capped at $2,500
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.90% Fixed
Year 2: 2.90% Fixed
Year 3: 2.90% Fixed
Thereafter: 4.35% Board Rate
- No valuation fee
- Commitment fee 0.02% of the loan amount, subject to min $200
Cash rebate for refinancing only
Loan amount above 250K - $2,000
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.90% Fixed
Year 2: 2.90% Fixed
Thereafter: 4.35% Board Rate
- No valuation fee
- Commitment fee 0.02% of the loan amount, subject to min $200
Cash rebate for refinancing only
Loan amount above 250K - $2,000
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.00% Fixed
Year 2: 3.00% Fixed
Thereafter: 3M SORA + 1.00%
Legal and valuation subsidy for refinancing only
- 0.20% of loan amount, capped at $2,500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.20% Fixed
Year 2: 3M SORA + 0.55%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months to fixed rate only
Legal and valuation subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.45%
Year 2: 1M SORA + 0.45%
Year 3: 1M SORA + 0.45%
Thereafter: 1M SORA + 1.00%
- 50% waiver of penalty due to sale
- Partial repayment allowed (up to 30% of initial loan amount)
- One time free conversion that can be exercised anytime
- Smart mortgage (up to 70% interest offset)
- Must fund 200K before loan disbursement
Cash rebate For refinancing only
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
Loan amount below 500K - $1,000
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.30%
Year 2: 3M SORA + 0.30%
Thereafter: 3M SORA + 1.00%
- Waiver of penalty due to sale after 6 months of repayment
Subsidies for refinancing ONLY:
- Legal subsidy 0.4% of loan amount, capped at $1,800
- Full valuation subsidy
- Free fire insurance for first year
- Clawback period is 2 years for all the above subsidies
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.50%
Year 2: 1M SORA + 0.50%
Year 3: 1M SORA + 0.50%
Thereafter: 1M SORA + 1.00%
- 100% Waiver of penalty due to sale
- Partial repayment allowed (up to 30% of initial loan amount)
- One time free conversion that can be exercised anytime
- Smart mortgage (up to 70% interest offset)
Cash rebate For refinancing only
Loan amount below 500K - $1,000
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- Waiver of penalty due to sale after 6 months of repayment
Subsidies for refinancing ONLY:
- Legal subsidy 0.4% of loan amount, capped at $1,800
- Full valuation subsidy
- Free fire insurance for first year
- Clawback period is 2 years for all the above subsidies
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.55%
Year 2: 1M SORA + 0.60%
Year 3: 1M SORA + 1.10%
Thereafter: 1M SORA + 1.10%
- One free conversion after 12 months
- Up to 50% partial payment is allowed during lock-in
Legal and valuation subsidy for refinancing only
- 0.4% of loan amount, capped at $2,500