Its finally done! I am now on a negative net worth of $160k After resting on my lazy butt with more than 10 years of higher interest rate with CPF, I have finally picked myself up and reached out to several refinancing companies for quotes and stuff. Fastest fingers first! This lady from Redbrick contacted me and sounded pleasant with the heart of a teacher educating me on this and that with regards to refinancing. Finally settled down on a 1.65% refinance with UOB after some advice from my pals as well. A simple calculation shows a savings of over $12k compared with CPF rates. Duration was also shortened from 17 years to 15 years on the new plan. So Cheers to paying off my house in 15 years time. Or until i pick my lazy butt again in future.