Hong Leong Finance Home Loan Refinancing

Hong Leong bank offers home refinancing for HDBs, private properties, and home equity loans (otherwise known as cash out refinancing). If you're getting mortgage equity loan, you will be exempted from Total Debt Servicing Ratio (TDSR) if your loan is lower than 50% of your property's value.

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Get up to $500 worth of Grab Food/Ride vouchers when you refinance your home loan through MoneySmart!

Hong Leong Finance Private Property Refinance Rates

HLF PPR FloatingFloating2.25%2 years

Hong Leong Finance HDB Refinance Rates

HLF 2yrs FixedFixed1.80%2 years
HLF 3yrs FixedFixed1.85%2 years
HLF HHR FloatingFloating2.08%2 years

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How to apply for your Hong Leong Finance Home Loan Refinancing

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Hong Leong Finance Home Loan Refinancing Application Process

Step 1

Submit your documents through us

To get started, prepare the necessary documents for refinancing. Start comparing through us when you’re nearing the end of your current loan’s lock-in period, so you can familiarise yourself with the different options available.

Step 2

Compare and be informed

After you submit your documents, we’ll dig deeper and find out the best housing loan refinancing package for you. We’ll then advise you and liaise on your behalf once you’ve chosen your new home loan package.

Step 3

Refinance your home loan

Make sure that you’re switching to a home loan rate with a lower interest rate than your existing loan. Typically, interest rates increase on the 3rd year due to SIBOR or SOR fluctuations, as well as the increasing interest rate structure of home loan packages. That’s why it’s important to put refinancing on your must-dos.

Why Get Your Home Loan Through Us?

Simple, fast, convenient

Leave your home loan research to us and we’ll break it down for you in simple terms. Our Mortgage Specialist will contact you directly so you can save time for other important things in life.

Get better deals

Feeling so spoilt for choice you can't decide? Settling for the first option is like being forced to marry the first person you come across on a dating app. Don’t feel pressured. We compare across all banks in Singapore to ensure that you get the best deals.

It's free!

Our service to you is free. But, of course we’re not doing this for charity! All banks pay us a standard referral fee for our services and our awesome job done. We don’t take sides or give biased advice.


Get up to S$500 Grab Food/Ride Vouchers when you apply for your Home Loan through us.

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Receive up to $500 worth of vouchers when yourefinance your home loan with us!

Learn More

Best Home Loans in Singapore (2020) — How to Pick the Best Mortgage for Your Property

How to Refinance Your Home Loan in Singapore & Save Money on Your Mortgage

5 Questions to Ask Yourself Before Refinancing Home Loans in Singapore