Refinance & Top up

Refinancing is the process of restructuring or reorganising, your loan to ensure you have the combination of fixed and floating terms that work best for your individual situation. It may involve transferring your loan from one bank to another bank to take advantage of more favorable terms and conditions that are in your best interest.
A top up means borrowing more on top of your existing home loan, something that’s possible when your home has increased in value since you first took your loan out, or you’ve created equity through paying off a portion of your home loan. This means you can use that equity to borrow against.