Results for “Refinancing”

22 results

Refinancing Your Home Loan: When Does It Make Sense?

Interest rates and personal finances change over time – so the home loan you started with might not remain the best deal. In this article, we’ll explore when and why refinancing your home loan makes sense in Singapore. Learn the key scenarios where you should consider refinancing, such as when interest rates drop or when your lock-in ends, and how to evaluate the potential savings. Armed with this knowledge, you can save money and pay off your home loan sooner.

Justin Admin29 May 2025

Refinancing & Cost Savings

Step-by-Step Guide to Refinancing Your Home Loan

Refinancing your mortgage might sound complicated, but it’s simpler than you think – especially with the right guidance. In this step-by-step guide, we’ll walk you through the entire refinancing process in Singapore. From reviewing your current loan and comparing offers, to applying and completing the legal work, you’ll see that refinancing is a straightforward way to save money. Follow these steps to confidently navigate your home loan refinance and snag a better deal.

Justin Admin29 May 2025

Refinancing & Cost Savings

Refinancing vs. Repricing: How to Save on Your Mortgage

When your home loan’s interest rate is no longer competitive, you have two main options – refinance with a different bank, or reprice with your existing bank. What’s the difference, and which will save you more? In this article, we break down refinancing vs. repricing, comparing the pros, cons, and cost savings of each. By understanding these two routes, you can choose the best strategy to reduce your mortgage interest and keep more money in your pocket.

Justin Admin29 May 2025

Home Buying 101

Singapore's HDB Model Faces New Challenges: What It Means for Homebuyers and Refinancers in 2026

Liu Thai Ker's passing reignites debate over Singapore's HDB model. With resale prices at record highs, 99-year leases ticking down, and SORA bottoming at 1.0–1.2%, homeowners face a critical refinancing window in Q2 2026.

Justin Admin7 Feb 2026

Refinancing & Cost Savings

When Does Refinancing an HDB Loan Make Sense? A Data-Driven Guide with Kevin Learns Investing

Mortgage rates in Singapore are at historic lows, making refinancing from an HDB loan to a bank loan tempting. But the switch is permanent and involves trade-offs. Understand when refinancing makes sense and when to stay put.

Justin Admin6 Jan 2026

Mortgage Basics & FAQs

Why Paying 2.6% on Your HDB Loan No Longer Makes Sense

With HDB concessionary loans fixed at 2.6% and banks now offering rates as low as 1.60%, many homeowners are paying more than they need to on their mortgages. By refinancing, a typical homeowner with a $500,000 loan could save around $6,000 in just two years — with most banks even subsidising legal and valuation fees for loans above $250,000. The process takes about 6–8 weeks and, while you can’t revert back to an HDB loan once you switch, refinancing is an attractive option for those looking to sell in the near future or pay down their mortgage faster. Cashew makes the process simple by comparing over 500 live packages across all major banks and guiding you to secure the best rate with confidence.

Justin Admin23 Sept 2025

Refinancing & Cost Savings

Chris Chong (HoneyMoneySG) Saved S$6,000 Refinancing His HDB Loan: Here's How

Financial blogger Chris Chong (HoneyMoneySG) successfully reduced his mortgage interest rate from 2.6% (HDB loan) to a 1.8% fixed bank loan, leading to a net savings of approximately S$6,000 over three years. If you are an HDB homeowner, you could be overpaying: check the best available rates on Cashew or contact a Cashew advisor today to see how much you could potentially save.

Justin Admin10 Nov 2025

Mortgage Basics & FAQs

Why More Homeowners Are Choosing Cashew

What if getting a home loan in Singapore didn’t mean phone calls, paperwork, and rate confusion? With Cashew, you can compare over 500 loans, apply online with Best Rate Guarantee, and even get cashback. It’s everything the mortgage experience should be — fast, transparent, and fully digital.

Justin Admin2 Sept 2025

Mortgage Basics & FAQs

How to Choose the Best Home Loan in Singapore (Step-by-Step)

With so many banks and loan packages available, how do you choose the best home loan for your needs? This step-by-step guide walks you through the process of selecting a home loan in Singapore. We’ll cover comparing interest rates, understanding loan features (like lock-in and refinancing options), considering customer service, and leveraging tools that make mortgage shopping easier. By following these steps, you’ll feel confident that you’ve found the home loan that truly suits you best.

Justin Admin29 May 2025

Rate Updates

Rate Bottom Expected Q2 2026: Is Now the Best Time to Refinance Your Home Loan?

UOB forecasts Singapore interest rates will bottom around Q2 2026 before gradually rising, creating a narrow window for homeowners to lock in near-historic mortgage savings.

Justin Admin16 Jan 2026

Access By Cashew

How to Read a Mortgage Factsheet in ACCESS by Cashew

Every mortgage package on ACCESS comes with a one-page factsheet. Once you know how to read it, you can compare any two packages from any bank in seconds. Here's your complete guide.

Justin Admin1 Jan 1970

Refinancing & Cost Savings

20 Years of Data Prove It: Bank Loans Beat HDB Loans

Over the last two decades, HDB’s 2.6% home loan rate has stayed rock solid — while SORA-based bank loans have floated up and down with the market. But when you crunch 20 years of data, a clear pattern emerges: despite a few short spikes, bank loans have been cheaper almost 80% of the time. A borrower with a $500,000 loan over 20 years would have saved roughly $70,000 by going with a typical SORA + 0.5% bank package instead of sticking with HDB’s fixed rate. The takeaway? Start safe with an HDB loan when buying your BTO, but once you’ve collected your keys, refinance to a bank loan — and let the data work in your favour.

Justin Admin15 Oct 2025

Mortgage Basics & FAQs

Are You Overpaying on Your Singapore Home Loan? Here’s How to Find Out

Many Singaporeans are still paying over 3% on their home loans, even though today’s best mortgage rates are around 1.7%–2.0%. That difference could cost you tens of thousands over just a few years. Learn how refinancing works in Singapore, what lock-in periods really mean, and how platforms like Cashew help you compare 500+ bank packages instantly — without the paperwork or hassle.

Justin Admin20 Aug 2025

Home Buying 101

Year of the Fire Horse 2026: Auspicious Dates, Lucky Sectors, and Why This Is Your Best Mortgage Window

Fire Horse 2026 (once in 60 years!) brings bold property energy. Southeast = wealth sector, auspicious dates Feb 15 to April 18, SORA bottoms Q2 at 1.35%–1.70%. Lock in savings before the horse gallops past.

Justin Admin29 Jan 2026

Refinancing & Cost Savings

Falling Home Loan Rates Could Save Singaporeans Thousands — If They Take Action

Home loan rates in Singapore have fallen to nearly half of last year’s levels, yet many homeowners remain stuck on costly packages. Experts warn that failing to refinance could mean losing out on savings of up to $12,000 a year.

Justin Admin29 Aug 2025

Tech & Tools

Streamlining Your Home Loan: How Cashew’s Tech Saves You Time and Money

Getting a mortgage doesn’t have to be tedious. Cashew leverages technology to simplify and enhance every step of the home loan process. In this article, we explore how Cashew’s digital platform – from quick loan comparisons and paperless applications to smart tracking and partner integrations – saves you time and money on your mortgage journey. Discover the high-tech, hassle-free way Cashew connects you to the best home loans, making traditional bank-hopping a thing of the past.

Justin Admin29 May 2025

Mortgage Basics & FAQs

Best Condo Mortgage Rates in Singapore (Updated on 10 October 2025)

Discover the best condo mortgage rates in Singapore as of 10 October 2025. Fixed and floating packages now start from just 1.5%, down sharply from past years. See today’s lowest rates, compare loan sizes, and learn how much you can save on your condominium loan.

Justin Admin10 Oct 2025

Mortgage Basics & FAQs

Singapore Home Loans FAQ: 10 Common Questions Answered

Confused about how home loans work in Singapore? You’re not alone. In this FAQ, we answer ten of the most frequently asked questions that new homebuyers have about mortgages. From HDB vs bank loans to using CPF and understanding terms like LTV and TDSR, we’ve got you covered. Dive in to boost your mortgage knowledge and borrow with confidence.

Justin Admin29 May 2025

Home Buying 101

BTO vs Resale HDB 2026: Which Is the Smarter Buy?

With 19,600 new BTO flats and ~13,500 MOP units flooding the market in 2026, first-time buyers face a genuine choice—and the right pick could save S$78,000+ over the life of a loan.

Justin Admin22 Mar 2026

Rate Updates

Home loans now as low as 1.8%

Singapore’s latest mortgage offers are drifting further south of the 2% mark, especially for loans above SGD 1 million. Analysts expect rates to stay around that level for the next couple of quarters - but they don’t see rates crashing back to the ultra-low levels of the 2010s any time soon.

Justin Admin4 Aug 2025

Mortgage Basics & FAQs

Fixed vs. Floating Rates: Which Mortgage is Right for You?

Should you choose a fixed or floating interest rate for your home loan? This is one of the biggest decisions for mortgage borrowers. In this article, we’ll explain how fixed and floating rate home loans work in Singapore, the pros and cons of each, and how to decide which fits your financial situation best. By the end, you’ll be equipped to make a savvy choice and potentially save thousands on interest.

Justin Admin29 May 2025

Home Buying 101

Buying Your First Home in Singapore: A Step-by-Step Guide for a Smooth Purchase

Buying your first home can be exciting and overwhelming at the same time. In this step-by-step guide, we break down the entire home-buying process in Singapore – from figuring out your budget to getting your keys – so you can navigate your first purchase with confidence and minimal stress.

Justin Admin29 May 2025

Results for “Refinancing”

Refinancing Your Home Loan: When Does It Make Sense?

Step-by-Step Guide to Refinancing Your Home Loan

Refinancing vs. Repricing: How to Save on Your Mortgage

Singapore's HDB Model Faces New Challenges: What It Means for Homebuyers and Refinancers in 2026

When Does Refinancing an HDB Loan Make Sense? A Data-Driven Guide with Kevin Learns Investing

Why Paying 2.6% on Your HDB Loan No Longer Makes Sense

Chris Chong (HoneyMoneySG) Saved S$6,000 Refinancing His HDB Loan: Here's How

Why More Homeowners Are Choosing Cashew

How to Choose the Best Home Loan in Singapore (Step-by-Step)

Rate Bottom Expected Q2 2026: Is Now the Best Time to Refinance Your Home Loan?

How to Read a Mortgage Factsheet in ACCESS by Cashew

20 Years of Data Prove It: Bank Loans Beat HDB Loans

Are You Overpaying on Your Singapore Home Loan? Here’s How to Find Out

Year of the Fire Horse 2026: Auspicious Dates, Lucky Sectors, and Why This Is Your Best Mortgage Window

Falling Home Loan Rates Could Save Singaporeans Thousands — If They Take Action

Streamlining Your Home Loan: How Cashew’s Tech Saves You Time and Money

Best Condo Mortgage Rates in Singapore (Updated on 10 October 2025)

Singapore Home Loans FAQ: 10 Common Questions Answered

BTO vs Resale HDB 2026: Which Is the Smarter Buy?

Home loans now as low as 1.8%

Fixed vs. Floating Rates: Which Mortgage is Right for You?

Buying Your First Home in Singapore: A Step-by-Step Guide for a Smooth Purchase

Cashew Mortgages