Why choose a Citibank mortgage?

1. Preferential mortgage interest rates for our Citigold and Citigold Private Client customers 2. Dedicated mortgage advisors partnering you on your home financing journey 3. Wide range of mortgage options, including variable, fixed or hybrid (a mix of fixed and variable rates) loan packages 4. Mortgage interest rate packages pegged to transparent market benchmark rates (1-month and 3-month Compounded SORA) 5. More savings with Mortgage Loan Interest Offset (for variable interest rate packages only) Legal subsidy of up to 0.40% loan amount or S$2,500, whichever is lower (applicable to refinancing cases)

Home Loan Refinance Calculator | Refinance Rates

Citi Mortgage Promotion

Enjoy preferential interest rates^* when you apply online for a home loan.

^*Applicable to online applications in relation to completed residential property with a minimum loan amount of S$800,000. T&Cs apply.

Citi Mortgage Promotion

Enjoy preferential interest rates^* when you apply online for a home loan.

^*Applicable to online applications in relation to completed residential property with a minimum loan amount of S$800,000. T&Cs apply.

Refinancing your Mortgage with Citibank

Mortgage refinancing replaces your existing mortgage with a new mortgage loan that could provide better interest rates and features. By refinancing your mortgage with Citibank, you can enjoy benefits such as interest savings and lower monthly instalments. What's more? Our mortgage loan interest offset feature lets you enjoy lower interest rates as you save more!

Use the Citibank Mortgage Refinance Calculator to know how much you can save by refinancing with us. Just enter details like your property type, outstanding loan amount, outstanding loan duration and current interest rate and lock-in period. The refinance calculator will show you an estimate of the effective interest rates and monthly installments payable. Check out on how much you can reduce your mortgage loan interest by increasing the deposits in your Citi Home Saver Checking Account using the slider and discover the potential interest savings you can enjoy with this calculator.

Start your search with our Mortgage Calculator

New Property

Refinance My Property

Property Type

Outstanding Loan Amount

Outstanding Loan Duration

years

Interest Rate

Lock-in Period

Your Mortgage Offer*

(Values below are for illustration purpose only. The values will vary according to your loan tenure and the prevailing interest rates.)

EFFECTIVE FIRST YEAR INTEREST RATE (EIR)

0 p.a.

YOU PAY

per month

YOUR LOAN TENOR WILL BE SHORTENED TO

30 years

Get Started!

My Income

Monthly Fixed Income

My Existing Loans Repayments

Monthly Minimum Repayment for Credit Card(s)

My Details

First Name

Last Name

Date Of Birth

Mobile Number

Email Address

Nationality

ID Type

NRIC Number

Current Residential Address

Unit Number (optional)

Postal Code

Joint applicant?

The property I want to refinance is different from the one stated above.

If you were assisted by a mortgage specialist, please indicate his/her mortgage specialist code.

MS Code

By clicking the "Submit for In-Principle Approval" button:

I/We confirm that I/we have read, understood and agreed to be bound by the terms and conditions.
I/We agree the bank may use the contact information provided above to contact me/us regarding this application and/or the bank's home loan packages.

Please authorise so we can approve your loan request.