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Refinancing calculator Singapore

Are you overpaying on mortgage interest? See if refinancing can lower your monthly repayments. Enter your details to find out how much you could save each month.

Your existing mortgage

Current monthly payment
S$1,624

Your refinanced mortgage

New monthly payment
S$1,517
Your Estimated Savings
S$23,112
Estimated total savings over the new loan tenure.
Monthly savings
S$107/mo
Difference in interest
↓ S$41,280
Get a free assessment

No commitment. We'll review your details and respond within one business day.

Disclaimer: This calculator provides indicative estimates only and does not constitute a loan offer. Actual savings depend on the final rate, fees, and lock-in terms of your new loan.

Tips

When refinancing makes sense.

Rates have moved
If new rates are 0.5% or more below your current rate, refinancing usually pays off, even after accounting for legal and valuation fees.
Lock-in period is ending
Most home loans carry a 2 to 3 year lock-in. Refinancing within lock-in often triggers a penalty of 1.5% on the outstanding loan. Plan around the unlock date.
Factor in all costs
Refinancing involves legal, valuation, and sometimes admin fees. Compare your total monthly savings against these one-time costs before deciding.

Sometimes it just takes one conversation.

Tell us your situation. We'll come back within one business day with an indicative assessment.

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