Two common goals
- Rate cut - reduce monthly instalment when your current spread is stale versus today’s packages.
- Cashback / cash-out - unlock equity where banks allow, with eyes open on tenure and DSR.
We have helped clients move from packages around 5.1% down toward 3.60% p.a. where eligibility and bank appetite allowed - outcomes are profile-specific, never guaranteed.
Read how refinance & cashback actually work and try the repayment calculator.
As of Oct 2026: BNM OPR 3.00%; SBR 2.75%. Typical packaged home-loan rates we see in market range roughly SBR + 0.80% to SBR + 1.75% (about 3.55%–4.50% p.a.), subject to profile and bank. RMS2U has secured as low as 3.55% p.a. for eligible clients. Figures drift - WhatsApp Janice for a live check.
Related
FAQ
When should I refinance?
When remaining lock-in cost is outweighed by rate or cashback benefit, and your DSR/CCRIS still clears the new bank’s bar. We model both before you move.
Will refinancing hurt my CCRIS?
A properly sequenced refinance is normal banking activity. Multiple failed applications in a short window are what create noise - we avoid that.