Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.45% Fixed
Year 2: 3.45% Fixed
Year 3: 3.45% Fixed
Thereafter: 1M SORA + 1.00%
- Must sign up SaveUp account and credit card
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.68% Fixed
Year 2: 4.28% Board Rate
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
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Year 3: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
Cash rebate for refinancing only
Private loan amount above 500K - $2,000
Private loan amount above 1.0M - $2,500
Private loan amount above 1.5M - $2,800
HDB loan amount above 250K - $2,000
Fixed interest rates
4 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Year 3: 3.75% Fixed
Year 4: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
Cash rebate for refinancing only
Private loan amount above 500K - $2,000
Private loan amount above 1.0M - $2,500
Private loan amount above 1.5M - $2,800
HDB loan amount above 250K - $2,000
Fixed interest rates
5 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Year 3: 3.75% Fixed
Year 4: 3.75% Fixed
Year 5: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after 36 months
Cash rebate for refinancing only
Private loan amount above 500K - $2,000
Private loan amount above 1.0M - $2,500
Private loan amount above 1.5M - $2,800
HDB loan amount above 250K - $2,000
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 12 months
- 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: 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 + 0.28%
Year 2: 1M SORA + 0.48%
Year 3: 1M SORA + 0.58%
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)
- Must fund 200K before loan disbursement
Cash rebate For refinancing only
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.33%
Year 2: 1M SORA + 0.53%
Year 3: 1M SORA + 0.63%
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 above 500K - $2,000
Loan amount above 1.5M - $2,500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: FHR6 + 1.10%
Year 2: FHR6 + 1.10%
Thereafter: FHR6 + 1.10%
- One free conversion after 12 months
Cash rebate for refinancing only
Private loan amount above 500K - $2,000
Private loan amount above 1.0M - $2,500
Private loan amount above 1.5M - $2,800
HDB loan amount above 250K - $2,000
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 4.00% Fixed
Year 2: 4.00% Fixed
Thereafter: 3M SORA + 1.00%
Legal and valuation subsidy for refinancing only
- 0.20% of loan amount, capped at $2,500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.40%
Year 2: 3M SORA + 0.40%
Year 3: 3M SORA + 0.45%
Thereafter: 3M SORA + 0.90%
- One free conversion after 12 months
- Must deposit 200K fresh fund to qualify this package
Legal subsidy for refinancing only - $1,800
Valuation subsidy for refinancing only - $500
