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Introducing Smart Refi AI

Wondering If You Should Refinance?

Introducing "Smart Refi AI" — our AI-powered tool that analyzes your mortgage documents and tells you if you're getting the best deal. Instant. Secure. Singapore-specific.

How it works

  • Upload Your Offer Letter
    Just drag and drop your existing mortgage offer letter or terms sheet — PDF, DOCX, or image formats accepted.
  • Instant AI Analysis
    Our AI parses your document and compares it with real-time market rates, fees, and your loan details.
  • Actionable Recommendation
    Know within seconds if refinancing could save you money — and how to proceed.

Drag and drop your file here

or

Supported formats: PDF, DOCX, JPG, PNG (max 10MB)

Your documents are processed securely
No sign-up needed. Private & secure document handling.

Today's Home Loan Rates

Interest rates displayed are last updated as of 25 June 2025

2.3%

2 year fixed (p.a.)

2.3%

3 year fixed (p.a.)

2.3%

floating (p.a.)

Why Choose Cashew

We make the mortgage process simple, transparent, and personalized to your unique financial situation.

Unbiased Guidance

We're not tied to any bank, so our recommendations are based solely on what's best for you — not them.

Data Security First

Your personal and financial data is protected with enterprise-grade security and compliance standards.

Competitive Rates

We work with all 16 mortgage banks in Singapore to ensure you get the most competitive rates available.

5-Star Service

Join thousands of satisfied customers who have trusted us with their home financing needs.

What Our Clients Say

Don't just take our word for it. Hear from real customers who found their perfect mortgage solution with us.

Tan Wei Ling
"Cashew helped me secure a great rate for my condo in D9. The process was smooth and their advisors explained every step clearly."

Tan Wei Ling

Condo Owner

Rajesh Kumar
"As someone investing in my second property at Marina Bay, Cashew found me financing options others could not. Their knowledge of Singapore's property market is impressive."

Rajesh Kumar

Private Condo Investor

Nurul Izzah
"I saved over $600 per month by refinancing my Punggol condo with Cashew. Their team found me a rate that was significantly lower than my previous mortgage."

Nurul Izzah

Refinance Customer

Frequently Asked Questions

Find answers to common questions about our mortgage services and the home loan process.

We help you compare all major mortgage types offered by the 16 banks in Singapore, including fixed-rate packages, floating-rate packages (typically pegged to SORA), and hybrid options. Whether you're buying a private property, an HDB flat, or refinancing an existing loan, we can guide you to the best-fit product.

No. Cashew is 100% independent. We work with all 16 mortgage banks in Singapore, but we are not tied to any of them. That means we have no incentive to promote one lender over another — our only goal is to find the best home loan for you.

If all documents are in order, most banks in Singapore provide approval-in-principle (AIP) within 1–3 working days. Final approval may take 1–2 weeks, depending on the complexity of your case and property type.

Singapore does not use a universal credit score system like in some other countries. Instead, banks assess your creditworthiness using your CBS (Credit Bureau Singapore) report, income, existing debt obligations, and Total Debt Servicing Ratio (TDSR). Our advisors can help you assess your eligibility.

For HDB flats and private properties, the minimum down payment is typically 25% of the purchase price, with at least 5% paid in cash. The remaining can be paid via CPF savings or cash. The exact amount depends on factors like property type, loan tenure, and age.

Cashew's service is completely free to you. We are paid a standard fee by the bank only when you take up a mortgage — and since we work with all banks and commissions are equal, there is no conflict of interest. We always recommend the best option for your needs.

Refinancing could save you money if your current interest rate is higher than what's available now, or if you're reaching the end of a lock-in period. Use our refinance calculator to check potential savings or speak to an advisor for a personalised review.

Don't see the answer you're looking for?

Ready to take the next step in your home ownership journey?

Cashew is based in Singapore and built to make your mortgage experience stress-free. We combine cutting-edge tech with human help, all backed by strict data privacy standards and a promise of truly unbiased advice.

Today's Mortgage Rates

Last updated as of 25 June 2025

Loan TypePrivateHDB
2 year fixed2.3%2.3%
3 year fixed2.3%2.4%
Floating2.3%2.5%
Get your personalised loan offer