To comply with GDPR we will not store any personally identifiable information from you. Therefore we will serve sub-optimal experience where some features such as Login/Signup are disabled. However, you will be able to search and see all the properties, see agent contact details and contact them offline on your own.
Refinance now and unlock
instant savings.
Check your eligibility within 2 minutes.
Assess your savings within a few clicks.
Get your personalised refinance offer.
Even a small drop
in interest rate can save
you big.
Think your mortgage is set in stone?
That's
because banks won't tell you the power of
refinance.
Even a small rate cut can fuel your financial goals.
That's
because banks won't tell you the power of
refinance.
Even a small rate cut can fuel your financial goals.
Meet
Not sure if you
should refinance?
checks your refinancing eligibility based on your current mortgage terms.
Not sure how much
refinancing costs? gives you a full costs and savings estimate, so you know what to look out for.
Not sure when
to refinance? compares your rate against the market rates, and advises the right time to maximise savings.
Not sure which
mortgage to choose? personalises your refinance offer with unbiased advice from our Mortgage Experts.
Smart results you can act on
We go beyond savings and consider your loan structure and refinancing costs against current interest rates, to pinpoint the best time for you to refinance and save.
2.42%
Today's best rate
4.50%
Example mortgage
You may save
S$ 31,024
Learn more about home financing
"Outstanding swift action. Everything well planned and executed. Impeccable service. T...Read more
Choy Meng Poh"I appreciate Sheryl with her prompt replies and detailed explanation. Thanks for the g...Read more
Joanna Ye"I strongly recommend Sheryl to anyone in need of home loan. Her professionalism has ma...Read more
ShuoYu Yuan"Sheryl is very helpful and made the mortgage process very smooth. Much appreciated!"
Koon Min Wong"Excellent service with Agent Sheryl for housing loan application"
Tianyu Lang"Was a great experience with Joanne as a mortgage adviser. As a first time buyers, bein...Read more
Chen Haoran"Sheryl was great in helping us weigh our options of the various bank loans for our con...Read more
Jon Koh"Great experience with Ms. Joanne Pang, who was accomodating and clinical in her guidan...Read more
Mahmud Ayaz"A heartfelt thanks to Sheryl for facilitating my new EC purchase loan package and prov...Read more
Zeng Qinghu
Frequently Asked Questions
- Yes, SmartRefi and refinancing through PropertyGuru Finance is completely free.
- SmartRefi tracks your current mortgage against the interest rates of applicable loan packages in the market to calculate your estimated net potential savings. You'll be notified by our Switch Alert email notification whenever there is savings tracked on your loan. When you decide to refinance, PropertyGuru Finance's mortgage experts will help you process your refinancing.
- Yes, SmartRefi helps you determine if you should refinance based on your eligible savings. When you decide to refinance, PropertyGuru Finance's mortgage experts will available to help you process your refinancing.
- We partner with all major banks to offer the best refinancing rates and deals in Singapore. We'll do the legwork of comparing loan packages for you and can offer objective and unbiased advice to help you secure the best loan for your financial goals.
- SmartRefi is powered by the latest refinancing interest rates of all major banks in Singapore. It will determine your potential savings based on the lowest applicable rate in the market. If you'd like to compare the latest refinancing rates, you may do so here.
- The security of your data is of utmost importance to us. SmartRefi uses the information you provide to calculate and track your potential refinance savings in order to notify you when it's the optimum time for you to refinance. When you choose to refinance through SmartRefi, your loan profile will be shared with our mortgage experts and banking partners in order to process your refinancing application.
Your data will be encrypted and stored securely in PropertyGuru's database when you create or log into a PropertyGuru account. For further details on how we will handle your data, please refer to our Privacy Policy here. You can withdraw your consent and data by contacting our customer service team: http://www.propertyguru.com.sg/contactus.