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A mother is playing with her daughter; image used for HSBC Singapore Home Refinancing

Refinancing

Enjoy savings on your monthly repayments by refinancing your existing loan.

Overview

Whether you plan to consolidate your debts or are looking to take advantage of better rates, we have home loan refinancing options to best suit your needs.

What's more, enjoy savings on your monthly repayments by refinancing your existing Home Loan with HSBC and receive up to S$2,500 cash incentive.

Find out more about our standard interest rate plans here. Alternatively, leave your contact details and our friendly Mortgage Specialists will be in touch with you shortly.

Leave us your contact details and we will be in touch shortly.

SORA-pegged loan

Peg your home loan interest rate to the new 1-month Compounded SORA+ benchmark rate for greater transparency and flexibility.  Learn more about HSBC SORA-pegged home loans.

+ The Singapore Overnight Rate Average ("SORA") is the volume-weighted average rate of borrowing transactions in the unsecured overnight interbank SGD cash market in Singapore between 8am and 6.15pm. SORA has been selected as a new interest rate benchmark rate in Singapore, which will eventually replace SIBOR.

Fixed rate loan

Enjoy stability by fixing your interest rate for initial years.

Contact us for the latest fixed rate packages and our Mortgage Specialists will be in touch with you shortly.

SmartMortgage

HSBC's SmartMortgage links your home loan account with a current account, reducing interest on your home loan by offsetting interest earned on your current account.*

This simple, effective link between your home loan and current account* through SmartMortgage will help you:

Reduce the interest payable on your mortgage 

With SmartMortgage, the interest earned on your current account* will offset the interest payable on your home loan. Paying less interest means that you can save more and pay off your home loan in less time.


Manage your finances the way you want 

With SmartMortgage, your current account* is linked to your home loan, giving you flexibility to maximise control in the management of your finances and savings.

 

* SmartMortgage current account terms and conditions

The Bank reserves the right to adjust the SmartMortgage Current Account interest rate.

Deposit Insurance Scheme 

Singapore dollar deposits of non-bank depositors are insured by the Singapore Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme by law.