Home Loan Refinancing

Lower your monthly home loan instalments

Why you will love this

Enjoy lower instalments when you switch your loan to OCBC

Choose from a range of home loan packages for HDB or private homes

Opt for Eco-Care Home Loan for more savings

Who can apply

Singaporean, Singapore PR or foreigner above 21 years old

Those holding a minimum loan amount of S$200,000 for a HDB or S$300,000 for a private home

Enjoy faster refinancing and greater savings with customised and holistic home loan solutions.


Best Home Loan/Mortgage Product

The Asian Banker Excellence in Retail Financial Services Awards 2022

Mortgage Product of the Year - Eco-Care Home Loan

The Digital Banker Global Retail Banking Innovation Awards 2021

Lower monthly instalments

Lower monthly instalments

Enjoy interest savings when you refinance your current loan with a more attractive package.

Complete range of loan packages

Complete range of loan packages

Take advantage of wide range of pricing packages to suit your financing needs.

Opt for our Eco-Care Home Loan

Opt for our Eco-Care Home Loan

Be part of a greener Singapore with your sustainable home and enjoy significant savings.

partners of eco-care home loan
Build SG

Build SG

Build SG

Build SG

home loan packages

Select the loan package that best fits your needs for your HDB or private home. Enjoy these Online Exclusive Interest Rates for a selected time only.

  • 1M / 3M Compounded SORA
3M Compounded SORA

3M Compounded SORA


(For completed properties only)
3M Compounded SORA Fixed
The 3-month Compounded SORA for a given Singapore business day is published by 9 am on the next Singapore business day on MAS’ website. View more details on SORA.
Each 3M Compounded SORA will be fixed on the Rate Review Date and will apply throughout the next 3-month period respectively.
Free switch to another pricing package after the 1st year (for new loans only).
Flexibility to prepay up to 50% of the loan amount in the first 2 years.
Read more less
Protects you from rate fluctuations for the fixed period.
Fixed instalment within lock-in period.
Read more less
Year 13M Compounded
SORA + 0.65%
To find out more about our fixed rate packages, you can submit a home loan enquiry form or approach your Mortgage Specialist. 
Year 23M Compounded
SORA + 0.65%
Year 33M Compounded
SORA + 0.80%
Thereafter3M Compounded
SORA + 1.00%

Step 1

Prepare your documents

Attach the following documents to your online application:
  • Latest CPF withdrawal statement
  • Current bank loan statement showing outstanding loan amount
  • For owner-occupied property, tax portal page to show subject property address and tax rate as "owner occupier"
  • If your current loan is with HDB, submit the last 6M transaction record from the HDB InfoWEB portal
Read more

Step 2

Submit your application

Choose the type of financing required, select the loan package and submit your documents online. The application process takes just 10 minutes with Singpass.

For Eco-Care Home Loan, complete and pass THEEA. This takes just 2 minutes. Provide the assessment reference number in your loan application.

Step 3

Wait for our letter of offer

If your loan is approved, you will receive a letter of offer via email and SMS. Otherwise, we will contact you if we need more information.

Step 4

Accept our loan offer

You can accept our loan offer by clicking on the link in the offer email or SMS. Your letter of offer will be generated automatically after acceptance. Please read through the terms and conditions carefully before accepting.
Loan calculator

Find out how much you can borrow

Use our OCBC OneAdvisor Affordability Calculator to find out how much you can borrow, based on your income, age, and financial status.


Cash reward of up to S$2,500 per loan

Receive cash to defray the cost of refinancing.

before you apply

Eligibility requirements

Minimum age

21 years old


Singaporeans, Singapore PRs and foreigners

Minimum loan amount for SG private home loan


Minimum loan amount for HDB loan


Additional information

1. Your online refinancing application may require 1 working day to process due to additional checks performed.

2. ABS Guide: The Association of Banks in Singapore and MoneySENSE guide, "What You Should Know About Housing Loans - Key Questions to Ask The Bank Taking a Housing Loan" is available and you are encouraged to read it before committing to a residential property loan.

ways to apply

Apply to refinance with OCBC Home Loan today


Get a cash reward of up to S$2,500 per loan Learn more