Home/Loans/Refinance Home Loan

Refinance and save more with DBS Home Loan

Enjoy a hassle-free home loan switch with us! Receive cash subsidies to offset legal and valuation fees and unlock competitive rates for higher mortgage savings.
Enjoy greater savings with competitive interest rates
Unlock up to S$4,000 in cash rewards to offset refinancing fees and charges
Hassle-free switch with dedicated support from our Home Advice Specialists
DBS Home Loan Exclusive

Get up to S$4,000 in cash or shopping vouchers for home purchase or refinance.

DBS Home Loan Exclusive
Alternatively, call 6333 0033 to speak to our friendly Home Advice Specialist, available Monday to Friday, 9am to 6pm (excluding public holidays).
Refinance and save more with DBS Home Loan
Refinance and save more with DBS Home LoanDBS Home Loan Exclusive
Apply now
Overview
Overview
Benefits
Cash Rewards
Pricing & Fees
Promotions
How to apply
FAQ
Resources

Why refinance your home loan with DBS

Enjoy a smoother refinancing experience for your home loan with DBS. Find out how you can save more and get rewarded.

Enjoy Greater Savings

You may enjoy lower interest rates and monthly repayments by switching your home loan to DBS. Use our Repayment Calculator to calculate your potential savings.
Calculate savings

Get Rewarded with Cash

Receive up to S$4,000 in cash rewards when you refinance, which can be used to cover the legal fees and valuation costs.
Learn more

Hassle-Free Switch

Apply conveniently online, with our dedicated specialists providing you assistance every step of the way.
Contact us

Refinancing Cash Rewards

For Completed Private Properties and Executive Condominiums

Qualifying Loan Amount​

Refinancing Cash Reward​

Promotional Cash Reward​

≥S$300,000

Refinancing Cash Reward​

N.A.

Promotional Cash Reward​

S$300
≥S$500,000

Refinancing Cash Reward​

S$2,000

Promotional Cash Reward​

S$2,500
(i.e. S$2,000 Refinancing Cash Reward + S$500 Bonus Cash Reward)
≥S$1,000,000

Refinancing Cash Reward​

S$2,500

Promotional Cash Reward​

S$3,300
(i.e. S$2,500 Refinancing Cash Reward + S$800 Bonus Cash Reward)
≥S$1,500,000

Refinancing Cash Reward​

S$2,800

Promotional Cash Reward​

S$4,000
(i.e. S$2,800 Refinancing Cash Reward + S$1,200 Bonus Cash Reward)

Refinancing Cash Rewards

For Completed HDB Properties

Qualifying Loan Amount​

Refinancing Cash Reward​

Promotional Cash Reward​

≥S$250,000

Refinancing Cash Reward​

S$2,000

Promotional Cash Reward​

S$2,000
≥S$300,000

Refinancing Cash Reward​

S$2,000

Promotional Cash Reward​

S$2,300
(i.e. S$2,000 Refinancing Cash Reward + S$300 Bonus Cash Reward)
≥S$500,000

Refinancing Cash Reward​

S$2,000

Promotional Cash Reward​

S$2,500
(i.e. S$2,000 Refinancing Cash Reward + S$500 Bonus Cash Reward)
≥S$1,000,000

Refinancing Cash Reward​

S$2,000

Promotional Cash Reward​

S$2,800
(i.e. S$2,000 Refinancing Cash Reward + S$800 Bonus Cash Reward)
≥S$1,500,000

Refinancing Cash Reward​

S$2,000

Promotional Cash Reward​

S$3,200
(i.e. S$2,000 Refinancing Cash Reward + S$1,200 Bonus Cash Reward)

Exclusive home loan packages tailored for you

Choose between a fixed and floating rate package that fits your monthly budget.
Fixed rate packageFloating rate packageDBS Easy Switch Loan
Contact us for our current rates, and we’ll be in touch with you.

Explore our promotions designed to enhance your home loan experience

Refinance your home loan with DBS in 5 easy steps

Whether you're a first-time buyer or a seasoned homeowner, we’re here to guide you through each step from application to acceptance.
1
Check your current home loan’s expiry dateIt is advisable to start looking for options nearing the end of your current loan's lock in period.
2
Ensure you have digibank accessBefore you kickstart your home loan application, ensure that you have digibank access for a seamless application journey.
Whether you are new to DBS or POSB or have an existing account, getting your digibank access is as easy as 1-2-3! Simply refer to this guide to get started.
3
Submit your refinancing applicationChoose a loan package that suits your needs and apply in minutes. Refer to this list of documents you’ll need to prepare and ensure you have a DBS/POSB savings account for loan disbursement.
Refer to this list of documents you’ll need to prepare and ensure you have a DBS/POSB savings account for loan disbursement.
4
Receive Letter of OfferOnce your loan is approved, you will receive a Letter of Offer via email. In instances where we require more information, our Home Advice Specialist will reach out to you.
5
Accept loan offerAfter you’ve accepted the loan offer, a letter of acceptance will be generated and emailed to you. Congratulations on your approved loan!
Appy nowNeed assistance? Contact us

Frequently Asked Questions

Get more benefits with these exclusive perks

Stack additional perks with your DBS Home Loan
DBS Renovation Loan
Maximise your savings with an exclusive rate of 3.38% p.a. (EIR 4.49% p.a.) on your renovation loan. That’s 1.7% p.a. lower than our regular rate of 5.08% p.a. (EIR 6.16% p.a.)!
Find out more
myHome Protect II
Get up to S$350,000 coverage for your renovations, home and contents in the event of an accident such as fire.
Get a quote
Multiplier Account
Supercharge your savings today! Finance your home loan with us and unlock higher bonus interest with our Multiplier account.
Find out more

Additional Resources

Discover our suite of tools designed to make budgeting and planning stress-free.

Repayment Calculator

Use our Repayment Calculator to calculate your potential savings and get a quick estimate effortlessly. Compare accurate possibilities for your upgraded home financing journey and make informed decisions for your budget.
Find out more

Essential Reads for Homeowners

Make confident decisions with our how-to guides and tips.
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