Available Home Loan Packages as of June 2025

Fixed interest rates

3 year lock-in

(Minimum loan amount requirement applies)
Year 1: 2.60% Fixed
Year 2: 2.60% Fixed
Year 3: 2.60% Fixed
Thereafter: 4.25% 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

Floating interest rates

1 year lock-in

(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.40%
Year 2: 3M SORA + 0.40%
Year 3: 3M SORA + 0.40%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in
- Up to 50% partial repayment within lock in period is allowed
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,500

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

Floating interest rates

2 year lock-in

(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.45%
Year 2: 3M SORA + 0.45%
Year 3: 3M SORA + 0.45%
Thereafter: 3M SORA + 1.00%
- One time free conversion after 6 months
Subsidy is applicable to both purchase and refinancing
- Legal subsidy 0.30% of loan amount, capped at $2,000
- Valuation subsidy $500 for loan amount above 800K