REFINANCE YOUR HDB HOME LOAN & GET CASH REWARDS

Let our professional mortgage consultants guide you in selecting the lowest HDB refinance home loan rates across 16 banks. Enjoy cash rewards up to $3,300 for your HDB flat refinance.

Be Rewarded

Legal Subsidies
Cash Rebates Up to $2,000
DollarBack Cash Reward
Up to $1,000
full rates

Let our professional mortgage consultants get the highest property valuation from across 16 Banks so that you maximise your eligible equity term loan amount.

Why us?

waiver of upfront fees

Enjoy a full offset / waiver of all HDB home loan refinancing costs such as legal and valuation fees by almost all banks in Singapore. Plus, get additional cash rewards through DollarBack Mortgage once your HDB refinancing is confirmed with your desired bank.

exclusive refinancing packages

HDB refinancing packages vary from time to time with special promotions being launched for a limited period. Through our close partnerships with over 16 banks in Singapore, our mortgage consultants provide real time updates for you to lock in the lowest package whenever it is launched.

Professional Guidance

A preliminary analysis will be conducted to check if refinancing gives you the maximum savings. During the application, regular status updates will be provided by us until bank approval is granted. Upon acceptance of loan offer, our partner law firm will automatically begin the refinancing. This entire process will be managed by our mortgage consultants so that it is stress free for you.

Why us?

Feature One

Our mortgage consultants can provide a comprehensive breakdown on your equity loan eligibility over a quick phone consultation all within a few hours.

Feature two

Different banks have varying internal approval processes for an equity loan. Our mortgage consultants will be able to select a specific bank with the highest approval probability as well as the best mortgage package available for your needs.

Feature three

All equity loans through DollarBack Mortgage enjoy cash rewards above the rebates / subsidies provided by banks. With the bank provided rebates, your upfront costs are fully covered which then leaves the additional cash rewards as a bonus which can be thought of increasing your equity loan amoun

Feature four

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique.

Basic

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

$10

/ per month

Get started

Advanced

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

$20

/ per month

Get started

Plus

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros.

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

Lorem ipsum dolor sit amet

$30

/ per month

Get started
BANK
LOAN TYPE
YEAR 1
YEAR 2
YEAR 3
3 YEARS AVG
YEAR 4
YEAR 5
YEAR 6
3M SIBOR
xx%
fixed
xx%
fixed
xx%
xx%
3M SIBOR
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
Board Rate
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
1M SIBOR
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
36M FIXED DEPOSIT
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
X Year Fixed
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
3 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
floating
xx%
floating
xx%
floating
Get rewards
4 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
floating
xx%
floating
Get rewards
5 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
X Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
X Year Fixed
Special Promo
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
BANK
LOAN TYPE
YEAR 1
YEAR 2
YEAR 3
3 YEARS AVG
YEAR 4
YEAR 5
YEAR 6
3M SIBOR
xx%
fixed
xx%
fixed
xx%
xx%
3M SIBOR
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
Board Rate
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
1M SIBOR
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
36M FIXED DEPOSIT
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
X Year Fixed
xx%
fixed
xx%
fixed
xx%
3M SIBOR
xx%
xx%
1M SIBOR
xx%
36M FDR
xx%
Board Rate
Get rewards
3 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
floating
xx%
floating
xx%
floating
Get rewards
4 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
floating
xx%
floating
Get rewards
5 Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
X Year Fixed
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards
X Year Fixed
Special Promo
xx%
fixed
xx%
fixed
xx%
fixed
xx%
xx%
fixed
xx%
fixed
xx%
floating
Get rewards

Need help in refinancing your HDB Loan?

Talk to us and discover the best HDB refinance package for your needs today.

Contact us

I want to maximise
my equity loan

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Lorem ipsum dolor sit amet, consectetur.

Get started

What our clients say…

Simply the best template

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Dolor sit amet, consectetur adipiscing elit

James Blake

Absolutely love it!

Consumers are inundated with ads, so it’s vital that your ad catches the eye and immediately grabs interest. You could do this with a headline or slogan.

John Donne

Simply the best template.

Consumers are inundated with ads, so it’s vital that your ad catches the eye and immediately grabs interest. You could do this with a headline or slogan.

Mary Poppins

Absolutely love it!

Consumers are inundated with ads, so it’s vital that your ad catches the eye and immediately grabs interest. You could do this with a headline or slogan.

Daario Naharis

Frequently Asked Questions

Can HDB loans be refinanced?

Yes most definitely. If your home loan is from HDB directly or a bank, you can refinance as many times as you wish to but do note that once you have a bank loan for your HDB, you cannot refinance back to a home loan from HDB directly.

Should I refinance my HDB loan?

Our general rule of thumb when deciding to refinance your HDB loan is to confirm if your outstanding loan amount is more than $250,000 and the difference in your existing interest rate vs the refinance package is more than 0.30%. If both those conditions are met, then you should consider refinancing to save on your interest costs.

How often are there HDB refinance promotions?

All banks offer HDB refinance promotions almost on a monthly basis. Our mortgage consultants will also negotiate with the banks to get special approval for preferential refinance interest rates depending on your loan amount and specific needs.

Why choose DollarBack Mortgage for HDB refinancing over banks?

DollarBack Mortgage has close partnerships with over 16 banks in Singapore and we enjoy more bargaining power due to the amount of business we do with the banks. Think of it as going for a battle, would you stand a higher chance of winning on your own or with an army with you? The answer is pretty simple. DollarBack Mortgage and our consultants ensure you win the battle in securing the best and lowest HDB refinance packages.

Can I shorten my HDB loan period?

Yes, you can. All banks allow you to shorten the period for your HDB loan to a minimum of 5 years. In fact, having a shorter tenure allows you to save on paying interest to the bank and you enjoy paying off your loan faster. Just ensure you prepare your finances to support the higher monthly instalments that come with a shorter loan tenure.

Can I take a cash out loan from my fully paid HDB flat?

Cash out / term loans are not allowed for HDB properties. Only private properties including ECs with the 5 year MOP met are eligible for a cash out loan.