Free · No sign-up to use · CTB's own completion data
Refinance on time.Not a month late.
A refinance takes about two and a half months, and most of that is a two-month redemption notice you can't shorten. Miss the window and you sit on your bank's reverted rate — often SORA plus a full point — while the paperwork catches up. This works out the week to lodge so completion lands the day your lock-in lifts.
~77 days
Application to completion
2 mth
Redemption notice, fixed
~$1,800
Out of pocket at completion
~1.5%
Penalty if you exit early
Plan your switch
Out of your pocket · around completion
Back to you · ~3 weeks after completion
Figures are CTB's own completion data, not a bank quote. They assume you're out of lock-in, so no ~1.5% early-exit penalty applies. Legal and valuation costs vary by bank and firm.
Want the reminder, not the maths?
Leave your details and Benjamin will check in when your window opens — with the rates that are actually live then, not today's.
Benjamin or Chloe replies personally.
No call centre, no handoff.
Pick a date above and we'll carry it into the reminder.
Benjamin Tan · CTB Realty
CEA-registered. These timings come from refinancings CTB has actually completed, which is why the notice period here is two months rather than the three you'll read elsewhere. If repricing with your existing bank beats moving, I'll tell you that instead.
Timings and costs reflect CTB's own completed HDB refinancings as of July 2026 and are general guidance, not financial or legal advice. Notice periods, fees, subsidies and clawback terms vary by bank — confirm your own figures with your lender before committing.