Refinancing Loan Calculator

Calculate your potential savings by refinancing your mortgage

Current Loan Details

Enter your current mortgage information

How would you like to provide your loan details?

I know my remaining loanCalculate from original loan

Remaining Loan Amount ($)

Current Interest Rate (% p.a.)

Remaining Tenure (Years)

Refinancing Rate

New Interest Rate (% p.a.)

Enter the expected refinancing rate from your new lender

Refinancing Analysis

Your potential savings from refinancing

Potential Total Savings

$60,068.19

Over 20 years remaining tenure

Remaining Loan

$500,000.00

Remaining Tenure

20 years

Monthly Payment Comparison

Current Payment

At 3.5% p.a.

$2,899.80

New Payment

At 2.5% p.a.

$2,649.51

Monthly Savings

+$250.28

Note:

This calculation does not include refinancing costs such as legal fees, valuation fees, or any clawback penalties from your current lender.

Estimated Mortgage Rates

SORA rates sourced live from MAS — updated each business day

HDB Loan

2.6% p.a.

CPF OA Rate (2.5%) + 0.1%

Bank Loan (Est.)

Based on 1M Compounded SORA — indicative only

Bank Rate Comparison

Indicative only

Bank	2Y Fixed	3Y Fixed	Floating	Lock-in
DBS DBS				2, 3 or 5 yrs
OCBC OCBC				2, 3 or 5 yrs
UOB UOB				2-3 yrs
SCB Standard Chartered				2-3 yrs
Maybank Maybank				2-3 yrs
CIMB CIMB				2-3 yrs

DBS

2Y Fixed

3Y Fixed

Floating

OCBC

Best Rate

2Y Fixed

3Y Fixed

Floating

UOB

2Y Fixed

3Y Fixed

Floating

SCB

Standard Chartered

2Y Fixed

3Y Fixed

Floating

Maybank

2Y Fixed

3Y Fixed

Floating

CIMB

2Y Fixed

3Y Fixed

Floating

* Rates are indicative and subject to change. Contact us for the latest promotional rates.

1M SORA:

| 3M SORA:

| CPF OA: 2.5% p.a.

View latest SORA rates on MAS