Case studies

Real files, real numbers, names removed.

A selection of recent cases across purchase, refinancing and complex income. Figures are actual savings over the lock-in period, rounded.

photo — condo exterior

Refinancing

June 2026

A $1.2M condo loan sitting quietly at 4.05%

The owner had not looked at her mortgage since completion in 2021. Her package had rolled onto a board rate no one had explained to her.

$41,800

saved over the new lock-in

$487

lower every month

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Situation

Loan on a floating package that reset twice after the initial two-year period, with no lock-in remaining and no penalty to move.

Approach

Compared eleven lenders on total cost over three years rather than headline rate, and shortlisted two with free legal subsidy for the loan size.

Outcome

Refinanced at 2.98% fixed for three years. Legal and valuation fees fully absorbed by the incoming bank.

photo — shophouse or office unit

Complex income

April 2026

Self-employed, declined twice, approved in nine days

A director drawing most of his income as dividends had been turned down by two banks who assessed only his salary line.

9 days

from file to approval

75%

loan-to-value secured

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Situation

Two years of fluctuating declared income and a recent restructuring of the business made the file look thinner than it was.

Approach

Rebuilt the income presentation around two years of company financials and matched the file to a lender that assesses director income differently.

Outcome

Approved at 3.35% with the full quantum requested, in time for the option deadline.

photo — young family / HDB block

New purchase

February 2026

Upgrading from HDB without a bridging headache

A couple selling their flat and buying a resale condo needed the two timelines to meet without a temporary loan they could not service.

$0

in bridging interest paid

3 weeks

earlier completion

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Situation

Sale proceeds were due after the new purchase completion date, and the couple did not want to draw on CPF twice.

Approach

Sequenced the option dates with the agents and the conveyancing firm, then secured a lender comfortable with the short overlap.

Outcome

Completed both transactions in the same month with no bridging facility drawn.

photo — HDB estate

Repricing

January 2026

The month it was cheaper to stay put

Every comparison pointed to refinancing until the legal fees and the remaining lock-in were counted properly.

$6,300

saved by not moving

2 weeks

to complete repricing

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Situation

A modest outstanding balance meant the free legal subsidy thresholds at competing banks were out of reach.

Approach

Priced repricing against refinancing on total cost, then negotiated the repricing package directly with the existing bank.

Outcome

Stayed with the incumbent at a better rate, with no legal cost and no new valuation.

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