Why use our advisory
Potentially save on interest over your loan tenure
Advisors review options across licensed lenders for you
Free assessment — no obligation to proceed
Expert advisors guide you through the paperwork
No credit check during initial assessment
Dedicated advisor manages the process end-to-end
Documents you'll need
Have these ready to speed up your application. No upload needed now.
1
NRIC (front & back)
2
Latest loan statement
3
Latest 3 months CPF contribution
4
Latest income documents
5
Property title deed / Option to Purchase(if available)
Frequently asked questions
Common triggers include the end of a lock-in period, a significant change in interest rates, or a change in your financial situation. Our advisors can help you evaluate whether refinancing makes sense for your specific case.
No. Our initial assessment does not involve any credit check. A formal credit check only happens if you decide to proceed with a specific lender application — and only with your explicit consent.
Costs may include legal fees, valuation fees, and potential clawback of subsidies from your current bank. Our advisors will help you understand the full picture so you can make an informed decision. Our advisory service is free for borrowers.
The timeline varies depending on the lender and your documentation readiness. Typically, the process takes 2–8 weeks from application to completion. Our role is to help you prepare and stay informed throughout.
HDB refinancing is possible under certain conditions, but the rules differ from private property. For example, you must meet MAS TDSR and MSR guidelines, and HDB-specific restrictions may apply. We recommend speaking with our advisor to understand your specific options.