Home Loan (Refinancing)

Get a home loan refinancing package customised

Why you'll love it

  • Switch your package without a fee
  • Affordable monthly instalments
  • Customise your package
  • Dedicated specialists and support

Promotion

Enjoy cash rebate when you refinance your home loan with OCBC.

Loan amount Cash rebate
Private home loan ≥ S$1,500,000 S$2,500
S$500,000 to S$1,499,999 S$2,000
HDB ≥ S$300,000 S$1,800

Different packages to suit your needs

OCBC 2Y Fixed Rate

Fixed Rate 2.15% for
year 1 & year 2, thereafter
mortgage board rate 2.20%

  • Protects you from rate fluctuations for the first 3 years
  • Pegged to OCBC mortgage board rate (bank managed rate) thereafter

OCBC mortgage board rates

2.10% from year 1 to 3,
thereafter 2.20%

  • Bank-managed rates and the bank can revise the values at anytime by giving you 30 days' notice.
  • In OCBC, mortgage board rates are defined for specific pricing packages. Should the mortgage board rate on your account be increased, you will have the flexibility to switch to another OCBC pricing package at no cost.
  • The current mortgage board rate pricing packages are availed with mortgage board rates at 1.50%.
  • You have the flexibility to prepay up to 50% of the loan amount within the lock-in period.
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3-month or 6-month
SIBOR

3M/6M SIBOR +0.30% for year 1, +0.40% for year 2, +0.50% for year 3,
thereafter +0.60%

  • Rates are pegged to the 3-month/6-month SIBOR and reviewed every 3 months or 6 months respectively. 
  • Payments can increase or decrease based on SIBOR rates.

Amount you can borrow

HDB
From S$200,000

Private property
From S$300,000

Calculate how much you can borrow
Check affordability and view homes

Application Process

Contact an OCBC Mortgage Specialist or talk to our branch staff
Submit documents at a branch or to an OCBC Mortgage Specialist
Get loan approval
Sign Letter of Offer

Overcome home buying fears with
OCBC OneAdvisor Home

All your home ownership needs on one digital platform. Home search, affordability advisory, renovation, home insurance, and more.

Find out more

You might also be interested in

Buying a new HDB or private property?

Get a loan for up to 75% of the valuation.


Find out more

Looking to renovate as well?

Stretch your imagination and not your budget with the OCBC Renovation Loan.

Find out more

Secure your mortgage repayment

Group Mortgage Insurance takes care of your outstanding home loan should the unfortunate happen.

Find out more

How to apply?

Get us to call you by providing us
with your contact details

Have us contact you

Or call our hotline

6363 3333

Operating hours are from 9am to 5pm, Mondays to Fridays
(excluding public holidays)

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