Refinance now and unlock
instant savings.

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Check your eligibility within 2 minutes.
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Assess your savings within a few clicks.
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Get your personalised refinance offer.

Even a small drop
in interest rate can save
you big.

Think your mortgage is set in stone?
because banks won't tell you the power of
Even a small rate cut can fuel your financial goals.
interest rate changed


  • Not sure if you
    should refinance?

    SmartRefi checks your refinancing eligibility based on your current mortgage terms.
    illustration of our advice in a speech bubble - Refinance now, Refinance later
  • Not sure how much
    refinancing costs?

    SmartRefi gives you a full costs and savings estimate, so you know what to look out for.
    illustration of a phone with a graph of full costs and savings estimate
  • Not sure when
    to refinance?

    SmartRefi compares your rate against the market rates, and advises the right time to maximise savings.
    illustration of a phone with an alert - Time to switch!
  • Not sure which
    mortgage to choose?

    SmartRefi personalises your refinance offer with unbiased advice from our Mortgage Experts.
    illustration of a female mortgage expert on video call in a smart device

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.
Today's best rate
Example mortgage
Slide to adjust the example mortgage
You may save
S$ 21,624

Rated starstarstarstarstar by our customers

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  • "I would like to thank my Home Finance Mgr Joanne Pang who was very professional and pr...Read more
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    Kenny Tay
  • "Great service. Glenda and Desmond are prompt to answer messages. They are knowledgeabl...Read more
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    Lok Geraldine
  • "Ms. Hazel Lam from the PropertyGuru Finance Team has been a great guidance and help fo...Read more
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    Deepanwita Roy
  • "The service of Ms Joanne is quite patient and timely. She helps us a lot on the home l...Read more
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    Shanshan Yang
  • "A big thank you to Joanne for her professional and efficient assistance in helping me ...Read more
    Photo of Wendy
  • "My wife and I were introduced by my property agent to Joanne. As first timers, we were...Read more
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    Sean Soh
  • "Refinance analysis is very details & easy to read!"
    Photo of Boon Haou Bong
    Boon Haou Bong
  • "Thank you to Joanne of PropertyGuru Finance for helping with my mortgage. My first hom...Read more
    Photo of Tuyet Linh
    Tuyet Linh
  • "Lily Koh was a star in helping us throughout our enquiries and processions throughout....Read more
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    James Russell Lim

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.