Smart Ways to Refinance Property in Singapore 2025

Singapore’s property market in 2025 presents a rare opportunity for homeowners, property investors, and SME owners. Interest rates have dropped to their lowest levels in recent years, creating an ideal environment for refinancing or purchasing property.

If you’ve been paying higher mortgage or property loan rates since 2023, now is the time to reassess your financial strategy. With rates starting from as low as 1.48% p.a. for residential properties and 1.95% p.a. for commercial properties, you can significantly reduce your monthly payments or unlock new funds for growth.

At Bizsquare Accounting, we help clients across Singapore make smarter property financing decisions, from refinance property Singapore solutions to commercial property loan Singapore packages, tailored to each client’s goals and financial situation.

Why Refinancing Makes Financial Sense in 2025

Refinancing isn’t just for people struggling with high payments. It’s a strategic move that allows you to optimize your loan, save more, and increase your financial flexibility.

Suppose you currently have a $1 million mortgage at 3% interest. By refinancing to 1.48% p.a., you could save over $15,000 per year on interest payments. Over the course of your loan, that’s more than $150,000 in total savings.

This additional capital can be redirected toward:

• Expanding your business or property portfolio

• Paying off higher-interest debts

• Building long-term savings or emergency funds

• Improving your investment returns

Even if your current loan seems manageable, the cumulative effect of interest reduction is substantial. That’s why mortgage refinance Singapore has become one of the most strategic financial decisions for 2025.

Singapore’s Current Low Interest Rate Environment

Singapore’s major banks have adjusted their mortgage and property loan rates downward, reflecting a more stable and competitive market. For borrowers, this is the most advantageous period to restructure loans before rates start rising again.

Residential Property Loans (Condos, Landed Homes, HDB)

Interest rates now start from 1.48% p.a..
This benefits both first-time buyers and existing homeowners seeking to refinance for lower monthly instalments or shorter tenures.

Commercial Property Loans (Industrial, Retail, Offices, Shophouses)

Rates start from 1.95% p.a., depending on the loan package and property type.
Business owners and corporate investors can use this to improve cash flow and reinvest their savings back into operations or expansion.

Compared to the 3–3.5% average rate in 2023, these 2025 figures represent historic lows. In a high-value property market like Singapore, even a 1% reduction can save tens of thousands of dollars annually.

Real Savings Example: How Refinancing Changes the Numbers

Consider this:

• A $1 million residential property with a 3% loan means you pay about $30,000 in annual interest.

• Refinancing that same loan at 1.48% lowers your interest cost to roughly $14,800.

That’s over $15,000 saved each year, money that can be reinvested or saved.

For businesses, the numbers are even more compelling.
If your company owns a $1 million commercial property financed at 3.5%, refinancing to 1.95% reduces your interest costs by around $15,500 annually.

Those savings can help fund marketing, payroll, or even new product development.

For homeowners with an HDB loan at 2.6%, switching to a 1.48% bank loan can save about $10,000–$12,000 over five years, while providing the flexibility to repay faster or shorten the loan tenure.

3 Ways Bizsquare Helps You Maximize Low Interest Rates

At Bizsquare Accounting, we specialize in helping individuals and businesses refinance property Singapore-wide to make the most of the current low interest environment.

1. Refinance for Lower Monthly Payments

We analyze your existing loan structure and help you refinance to a lower-rate loan that reduces your instalments and overall interest costs. Lower monthly payments not only ease financial pressure but also enhance your long-term liquidity and stability.

2. Gear Up Your Property for Extra Funds (Cash-Out Loan)

If you own property in Singapore, you can leverage its equity to obtain additional funds through a property cash-out loan Singapore.
This allows you to tap into your property’s market value and use the funds for business expansion, renovation, or investment.

Cash-out refinancing is particularly attractive in 2025 because of low borrowing costs, making it cheaper than taking a standard SME loan.

3. Save on HDB Loans

HDB loan holders paying 2.6% can refinance to a bank loan at 1.48% p.a. without complex procedures. We manage the entire transition, from rate comparison to documentation, so you can enjoy lower payments immediately.

Who Should Consider Refinancing in 2025

Refinancing is suitable for almost anyone with an existing mortgage or commercial property loan in Singapore.

You should consider refinancing if:

• You’ve held your loan for more than two years (after the lock-in period).

• Your current interest rate is above 2%.

• You want to shorten your loan tenure without increasing monthly payments.

• You need extra funds for business or investment purposes.

• You have multiple loans and want to consolidate them for better efficiency.

At Bizsquare, we work closely with:

• Private Residential Property Owners who want to save on interest.

• Property Investors managing multiple properties or mortgages.

• SME Owners buying or refinancing their offices.

• Corporate Buyers needing strategic commercial property financing.

• Property Agents seeking reliable financing experts for their clients.

What Makes Bizsquare Different

Refinancing your property is not just about finding a lower rate. It’s about finding the right structure that fits your financial goals.

Our team at Bizsquare stands out for combining both accounting expertise and financial strategy, giving clients a full-picture approach to money management.

When you work with us, you benefit from:

• Access to all major Singapore banks — We compare across multiple lenders to find the most competitive rates.

• End-to-end refinancing support — From consultation to loan approval, we handle the process for you.

• Tailored advice — We assess your business or personal goals before recommending the ideal loan type and tenure.

• Transparent service — We prioritize clarity and trust, ensuring no hidden charges or confusing terms.

Whether your goal is to reduce monthly payments or unlock funds for expansion, Bizsquare helps you structure the deal that gives you the most long-term benefit.

The Hidden Advantages of Refinancing

Beyond interest savings, refinancing your property can bring additional financial benefits.

1. Shorten your loan tenure
You can pay off your property years earlier without increasing your monthly instalment.

2. Switch loan type
Change from a floating-rate to a fixed-rate loan for more predictable monthly payments.

3. Consolidate multiple loans
Combine several property or business loans into one efficient structure, reducing complexity and interest costs.

4. Increase investment flexibility
By accessing equity through refinancing, you can purchase additional property or invest in other business opportunities at a lower borrowing cost.

These advantages make refinance mortgage 2025 one of the smartest financial strategies available to Singapore property owners today.

The Refinancing Process: Step by Step

1. Free Consultation – We start by reviewing your current property loan and identifying potential savings.

2. Loan Comparison – We gather the latest rates from local and international banks.

3. Tailored Recommendation – You receive a clear, side-by-side comparison of the best refinance options.

4. Application and Approval – We handle all documentation and submit the loan on your behalf.

5. Switch and Save – Your new bank redeems the old loan seamlessly, and your savings begin immediately.

Most refinancing processes can be completed within 2 to 3 weeks, depending on your property type and bank.

Why Acting Now Is Crucial

Interest rates are cyclical. While they’re currently low, market factors — such as global inflation or policy adjustments — could cause rates to rise again.

Locking in today’s rates secures your savings for the long term. Even a delay of six months could mean losing thousands in potential interest savings.

For business owners, this period offers an especially good opportunity to improve working capital before rates shift upward again.

Ready to Refinance Your Property?

Whether you want to lower your monthly instalment, tap into your property’s equity, or secure the lowest possible rate, Bizsquare Accounting can help you take the next step.

With years of experience in property financing Singapore, we’ve helped hundreds of individuals and SMEs achieve financial efficiency through smarter refinancing.

Take advantage of this limited-time opportunity to refinance property Singapore, save more, and grow with confidence.

Contact us today for a free consultation or loan assessment. Our advisors will calculate your potential savings and recommend the best refinancing option for your property.

or Fill out this form to discover how much you could save!