This contributed article is written by Clive Chng, associate director at Redbrick Mortgage Advisory. If your home loan was priced during the 2023 to 2024 rate spike, you’re likely paying more than what’s available today. Interest rates have fallen sharply since, and for anyone who hasn’t reviewed their loan in two or three years, that gap could mean thousands of dollars in unnecessary interest every year. For Singaporean homeowners, this year is shaping up to be one of the most active refinancing windows in recent years. Here’s where rates stand, and the packages worth considering if you’re an HDB or condo owner looking to refinance. Market commentary like this is only useful if you can translate it into what it means for your own purchase: your entry price, holding period and exit options. That's where many buyers get stuck. General market insights rarely tell you whether a specific unit, at a specific price, is the right decision for your circumstances....