1.05% (First year)


$ 324 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Partial Payment Penalty waiver for 20% of Original Loan amount paid during lock in

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.800% = 1.05%
    • $ 324/mth
    • Year 2
    • 1M SIBOR + 0.800% = 1.05%
    • $ 324/mth
    • Year 3
    • 1M SIBOR + 0.950% = 1.20%
    • $ 330/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 343/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 343/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 343/mth


1.06% (First year)


$ 324 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.650% = 1.06%
    • $ 324/mth
    • Year 2
    • 3M SIBOR + 0.650% = 1.06%
    • $ 324/mth
    • Year 3
    • 3M SIBOR + 0.650% = 1.06%
    • $ 324/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.41%
    • $ 339/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.41%
    • $ 339/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.41%
    • $ 339/mth


1.06% (First year)


$ 324 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.650% = 1.06%
    • $ 324/mth
    • Year 2
    • 3M SIBOR + 0.650% = 1.06%
    • $ 324/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth


1.10% (First year)


$ 326 (First year)


No Lock-in Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 2
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 3
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth


1.10% (First year)


$ 326 (First year)


2 years Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 2
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 3
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth


1.11% (First year)


$ 326 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 4
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 5
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 6+
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth


1.11% (First year)


$ 326 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.46%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.46%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.46%
    • $ 341/mth


1.11% (First year)


$ 326 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth


1.11% (First year)


$ 326 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.700% = 1.11%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth


1.15% (First year)


$ 329 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Partial Payment Penalty waiver for 20% of Original Loan amount paid during lock in

RATES AND PAYMENTS

    • Year 1
    • Board + 1.150% = 1.15%
    • $ 329/mth
    • Year 2
    • Board + 1.150% = 1.15%
    • $ 329/mth
    • Year 3
    • Board + 1.650% = 1.65%
    • $ 351/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 379/mth


1.16% (First year)


$ 329 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 3
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 4
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 5
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 6+
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth


1.16% (First year)


$ 329 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 3
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 4
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 5
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 6+
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth


1.16% (First year)


$ 329 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth


1.16% (First year)


$ 329 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.16%
    • $ 329/mth
    • Year 3
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth


1.18% (First year)


$ 330 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 2
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 3
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth


1.18% (First year)


$ 330 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 2
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 3
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.20% (First year)


$ 331 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 2
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 3
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth


1.20% (First year)


$ 331 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 2
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 3
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 375/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 375/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 375/mth


1.20% (First year)


$ 331 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 2
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 3
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.20% (First year)


$ 331 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 2
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 5
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 6+
    • Board + 1.750% = 1.75%
    • $ 356/mth


1.21% (First year)


$ 331 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 x Free Conversion During Progressive Payment
  • 1 x Free Conversion Wtihin 6mth from TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 3
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 4
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 5
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 6+
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth


1.21% (First year)


$ 331 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • - 1 x Free Conversion from 1st Disbursement
  • - 1 x Free Conversion from TOP
  • - Partial Payment on interest reset date
  • - Waiver of Cancellation Fee due to sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 3
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 4
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 5
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 6+
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth


1.21% (First year)


$ 331 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 3
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 4
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 5
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 6+
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth


1.21% (First year)


$ 331 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 3
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth


1.21% (First year)


$ 331 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.21%
    • $ 331/mth
    • Year 3
    • 3M SIBOR + 2.800% = 3.21%
    • $ 426/mth
    • Year 4
    • 3M SIBOR + 2.800% = 3.21%
    • $ 426/mth
    • Year 5
    • 3M SIBOR + 2.800% = 3.21%
    • $ 426/mth
    • Year 6+
    • 3M SIBOR + 2.800% = 3.21%
    • $ 426/mth


1.25% (First year)


$ 333 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - One time free conversion within 6 mths from TOP
  • - SmartMortgage Interest Offset Feature

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 2
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 3
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 4
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 5
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 6+
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth


1.25% (First year)


$ 333 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - 1 x Free Conversion Anytime
  • - SmartMortgage interest offset feature (Not applicable for Equity Loan)
  • - Partial Payment up to 30% of Original Loan amount during lock in
  • - 100% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 2
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 3
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 4
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 5
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 6+
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth


1.25% (First year)


$ 333 (First year)


No Lock-in Lock-in Period
FHR24(DBS) Rate Type

FEATURES

  • 1 x Free Conversion on TOP

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.350% = 1.25%
    • $ 333/mth
    • Year 2
    • FHR24(DBS) + 0.350% = 1.25%
    • $ 333/mth
    • Year 3
    • FHR24(DBS) + 0.350% = 1.25%
    • $ 333/mth
    • Year 4
    • FHR24(DBS) + 0.700% = 1.60%
    • $ 348/mth
    • Year 5
    • FHR24(DBS) + 0.700% = 1.60%
    • $ 348/mth
    • Year 6+
    • FHR24(DBS) + 0.700% = 1.60%
    • $ 348/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 355/mth
    • Year 5
    • Board + 1.750% = 1.75%
    • $ 355/mth
    • Year 6+
    • Board + 1.750% = 1.75%
    • $ 355/mth


1.25% (First year)


$ 333 (First year)


No Lock-in Lock-in Period
FHR24(DBS) Rate Type

FEATURES

  • 1 x Free Conversion During Progressive Payment
  • 1 x Free Conversion Wtihin 6mth from TOP

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.350% = 1.25%
    • $ 333/mth
    • Year 2
    • FHR24(DBS) + 0.350% = 1.25%
    • $ 333/mth
    • Year 3
    • FHR24(DBS) + 0.350% = 1.25%
    • $ 333/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth


1.25% (First year)


$ 333 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth


1.25% (First year)


$ 333 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • Board + 1.250% = 1.25%
    • $ 333/mth
    • Year 2
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 3
    • Board + 1.900% = 1.90%
    • $ 363/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 574/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 574/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 574/mth


1.26% (First year)


$ 333 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.850% = 1.26%
    • $ 333/mth
    • Year 2
    • 3M SIBOR + 0.850% = 1.26%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 0.850% = 1.26%
    • $ 333/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.41%
    • $ 340/mth


1.26% (First year)


$ 333 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • - 1 time free conversion
  • - No valuation report required.

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.850% = 1.26%
    • $ 333/mth
    • Year 2
    • 3M SIBOR + 0.850% = 1.26%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 1.500% = 1.91%
    • $ 363/mth
    • Year 4
    • 3M SIBOR + 1.500% = 1.91%
    • $ 363/mth
    • Year 5
    • 3M SIBOR + 1.500% = 1.91%
    • $ 363/mth
    • Year 6+
    • 3M SIBOR + 1.500% = 1.91%
    • $ 363/mth


1.26% (First year)


$ 333 (First year)


1 year Lock-in Period
3M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.850% = 1.26%
    • $ 333/mth
    • Year 2
    • 3M SIBOR + 0.850% = 1.26%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 1.500% = 1.91%
    • $ 363/mth
    • Year 4
    • 3M SIBOR + 1.500% = 1.91%
    • $ 363/mth
    • Year 5
    • 3M SIBOR + 1.500% = 1.91%
    • $ 363/mth
    • Year 6+
    • 3M SIBOR + 1.500% = 1.91%
    • $ 363/mth


1.28% (First year)


$ 335 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.28%
    • $ 335/mth
    • Year 2
    • Fixed Rate = 1.28%
    • $ 335/mth
    • Year 3
    • Board + 1.500% = 1.50%
    • $ 344/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 376/mth


1.28% (First year)


$ 335 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.28%
    • $ 335/mth
    • Year 2
    • Fixed Rate = 1.28%
    • $ 335/mth
    • Year 3
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - 1 x Free Conversion Anytime
  • - SmartMortgage interest offset feature (Not applicable for Equity Loan)
  • - Partial Payment up to 30% of Original Loan amount during lock in
  • - 50% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 2
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 3
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 4
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 5
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 6+
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth


1.30% (First year)


$ 336 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - One time free conversion within 6 mths from TOP
  • - SmartMortgage Interest Offset Feature

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 2
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 3
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 4
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 5
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 6+
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth


1.30% (First year)


$ 336 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth


1.30% (First year)


$ 336 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.30% (First year)


$ 336 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free conversion after lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth


1.30% (First year)


$ 336 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 357/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 357/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 357/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 5
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 6+
    • Board + 2.000% = 2.00%
    • $ 367/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free conversion after lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth


1.30% (First year)


$ 336 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Fixed Rate = 1.60%
    • $ 349/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 376/mth


1.31% (First year)


$ 336 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.900% = 1.31%
    • $ 336/mth
    • Year 2
    • 3M SIBOR + 0.900% = 1.31%
    • $ 336/mth
    • Year 3
    • 3M SIBOR + 0.900% = 1.31%
    • $ 336/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.46%
    • $ 342/mth


1.32% (First year)


$ 337 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.32%
    • $ 337/mth
    • Year 2
    • 3m SORA + 1.200% = 1.32%
    • $ 337/mth
    • Year 3
    • 3m SORA + 4.000% = 4.12%
    • $ 474/mth
    • Year 4
    • 3m SORA + 4.000% = 4.12%
    • $ 474/mth
    • Year 5
    • 3m SORA + 4.000% = 4.12%
    • $ 474/mth
    • Year 6+
    • 3m SORA + 4.000% = 4.12%
    • $ 474/mth


1.32% (First year)


$ 337 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • - Free Conversion After 12months
  • - 50% Partial Payment Penalty Waiver

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.32%
    • $ 337/mth
    • Year 2
    • 3m SORA + 1.300% = 1.42%
    • $ 341/mth
    • Year 3
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 4
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 5
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth


1.32% (First year)


$ 337 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • - 1 x Free Conversion from 1st Disbursement
  • - 1 x Free Conversion from TOP

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.32%
    • $ 337/mth
    • Year 2
    • 3m SORA + 1.300% = 1.42%
    • $ 341/mth
    • Year 3
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 4
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 5
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth


1.32% (First year)


$ 337 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • - Free Conversion After 12month
  • - 50% Partial Payment Penalty Waiver

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.32%
    • $ 337/mth
    • Year 2
    • 3m SORA + 1.300% = 1.42%
    • $ 341/mth
    • Year 3
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 4
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 5
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth


1.35% (First year)


$ 338 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 355/mth
    • Year 5
    • Board + 1.750% = 1.75%
    • $ 355/mth
    • Year 6+
    • Board + 1.750% = 1.75%
    • $ 355/mth


1.35% (First year)


$ 338 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Step Up Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 2
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 3
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.36% (First year)


$ 338 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.950% = 1.36%
    • $ 338/mth
    • Year 2
    • 3M SIBOR + 0.950% = 1.36%
    • $ 338/mth
    • Year 3
    • 3M SIBOR + 2.800% = 3.21%
    • $ 427/mth
    • Year 4
    • 3M SIBOR + 2.800% = 3.21%
    • $ 427/mth
    • Year 5
    • 3M SIBOR + 2.800% = 3.21%
    • $ 427/mth
    • Year 6+
    • 3M SIBOR + 2.800% = 3.21%
    • $ 427/mth


1.38% (First year)


$ 339 (First year)


5 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • 5 Years Flat Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 2
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 3
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 4
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 5
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth


1.40% (First year)


$ 340 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Refinancing Only
  • - Full Valuation Subsidy
  • - Free 1 Year Fire Insurance

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 4
    • Board + 2.250% = 2.25%
    • $ 378/mth
    • Year 5
    • Board + 2.250% = 2.25%
    • $ 378/mth
    • Year 6+
    • Board + 2.250% = 2.25%
    • $ 378/mth


1.40% (First year)


$ 340 (First year)


No Lock-in Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 2
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 3
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 2
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 3
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth


1.40% (First year)


$ 340 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 4
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 5
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 357/mth


1.40% (First year)


$ 340 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free conversion after lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 4
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 5
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth


1.40% (First year)


$ 340 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • 4 Years Flat Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 2
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 3
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 4
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.40% (First year)


$ 340 (First year)


4 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 4
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 357/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 357/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 2
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 3
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.40% (First year)


$ 340 (First year)


No Lock-in Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 2
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 376/mth


1.40% (First year)


$ 340 (First year)


1 year Lock-in Period
Board Rate Type

FEATURES

  • - 1 x Free Conversion after 1 year lock in or when MBR increase
  • - Waiver of Partial Payment Penalty for 1st 50% of loan Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 2
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 349/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.40% (First year)


$ 340 (First year)


1 year Lock-in Period
Board Rate Type

FEATURES

  • - 1 x Free Conversion after 1 year lock in or when MBR increase
  • - Waiver of Partial Payment Penalty for 1st 50% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 2
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 349/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Refinancing Only
  • - Full Valuation Subsidy
  • - Free 1 Year Fire Insurance

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 2.250% = 2.25%
    • $ 380/mth
    • Year 4
    • Board + 2.250% = 2.25%
    • $ 380/mth
    • Year 5
    • Board + 2.250% = 2.25%
    • $ 380/mth
    • Year 6+
    • Board + 2.250% = 2.25%
    • $ 380/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 2
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 3.380% = 3.38%
    • $ 436/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 577/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 577/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 577/mth


1.41% (First year)


$ 341 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • - Waiver of Partial Payment Penalty for 1st 50% of loan
  • - Free Conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 2
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth


1.41% (First year)


$ 341 (First year)


3 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Refinancing Only
  • - Full Valuation Subsidy
  • - Free 1 Year Fire Insurance

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 2
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.400% = 1.81%
    • $ 358/mth
    • Year 5
    • 3M SIBOR + 1.400% = 1.81%
    • $ 358/mth
    • Year 6+
    • 3M SIBOR + 1.400% = 1.81%
    • $ 358/mth


1.41% (First year)


$ 341 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 2
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.41%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.400% = 1.81%
    • $ 358/mth
    • Year 5
    • 3M SIBOR + 1.400% = 1.81%
    • $ 358/mth
    • Year 6+
    • 3M SIBOR + 1.400% = 1.81%
    • $ 358/mth


1.45% (First year)


$ 343 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Step Down Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 2
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 3
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.45% (First year)


$ 343 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Existing CIMB Preferred Customer ($250k AUM to qualify)

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 2
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 3
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth


1.45% (First year)


$ 343 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.45% (First year)


$ 343 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 349/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 349/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 377/mth


1.45% (First year)


$ 343 (First year)


1 year Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 3
    • Board + 1.650% = 1.65%
    • $ 352/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 380/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 380/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 380/mth


1.49% (First year)


$ 344 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 2
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 3
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 4
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 5
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 6+
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth


1.49% (First year)


$ 344 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 2
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 3
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 4
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 5
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth
    • Year 6+
    • 3M SIBOR + 1.080% = 1.49%
    • $ 344/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.50% (First year)


$ 345 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 2
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.50% (First year)


$ 345 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Waiver of penalty due to sale
  • - Free Conversion after 30month
  • - Partial Payment Allowed during Lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 5
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Existing CIMB Preferred Customer ($250k AUM to qualify)

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 2
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
FHR24(DBS) Rate Type

FEATURES

  • Waiver of Penalty Due to Sale
  • 1 x Free conversion after 2 years

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.600% = 1.50%
    • $ 345/mth
    • Year 2
    • FHR24(DBS) + 0.600% = 1.50%
    • $ 345/mth
    • Year 3
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • 3M SIBOR + 4.000% = 4.41%
    • $ 491/mth
    • Year 4
    • 3M SIBOR + 4.000% = 4.41%
    • $ 491/mth
    • Year 5
    • 3M SIBOR + 4.000% = 4.41%
    • $ 491/mth
    • Year 6+
    • 3M SIBOR + 4.000% = 4.41%
    • $ 491/mth


1.50% (First year)


$ 345 (First year)


No Lock-in Lock-in Period
FHR24(DBS) Rate Type

FEATURES

  • 1 x Free Conversion Wtihin 6mth from TOP

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.600% = 1.50%
    • $ 345/mth
    • Year 2
    • FHR24(DBS) + 0.650% = 1.55%
    • $ 347/mth
    • Year 3
    • FHR24(DBS) + 0.780% = 1.68%
    • $ 353/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth


1.50% (First year)


$ 345 (First year)


No Lock-in Lock-in Period
Board Rate Type

FEATURES

  • - 1 x Free Conversion from 1st Disbursement
  • - 1 x Free Conversion from TOP
  • - Waiver of Cancellation Fee due to sale

RATES AND PAYMENTS

    • Year 1
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 2
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 5
    • Board + 1.950% = 1.95%
    • $ 365/mth
    • Year 6+
    • Board + 1.950% = 1.95%
    • $ 365/mth


1.51% (First year)


$ 345 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Refinancing Only
  • - Full Valuation Subsidy
  • - Free 1 Year Fire Insurance

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.100% = 1.51%
    • $ 345/mth
    • Year 2
    • 3M SIBOR + 1.100% = 1.51%
    • $ 345/mth
    • Year 3
    • 3M SIBOR + 1.400% = 1.81%
    • $ 359/mth
    • Year 4
    • 3M SIBOR + 1.400% = 1.81%
    • $ 359/mth
    • Year 5
    • 3M SIBOR + 1.400% = 1.81%
    • $ 359/mth
    • Year 6+
    • 3M SIBOR + 1.400% = 1.81%
    • $ 359/mth


1.52% (First year)


$ 346 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 2
    • 3m SORA + 1.400% = 1.52%
    • $ 346/mth
    • Year 3
    • 3m SORA + 4.000% = 4.12%
    • $ 475/mth
    • Year 4
    • 3m SORA + 4.000% = 4.12%
    • $ 475/mth
    • Year 5
    • 3m SORA + 4.000% = 4.12%
    • $ 475/mth
    • Year 6+
    • 3m SORA + 4.000% = 4.12%
    • $ 475/mth


1.54% (First year)


$ 347 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In or Waiver of Penalty due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 2
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 3
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 4
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 5
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 6+
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth


1.54% (First year)


$ 347 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 2
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 3
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 4
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 5
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth
    • Year 6+
    • 3M SIBOR + 1.130% = 1.54%
    • $ 347/mth


1.55% (First year)


$ 348 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion if Board Rate Increase
  • Min $600k Loan
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Board + 1.550% = 1.55%
    • $ 348/mth
    • Year 2
    • Board + 1.550% = 1.55%
    • $ 348/mth
    • Year 3
    • Board + 2.300% = 2.30%
    • $ 382/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 392/mth


1.55% (First year)


$ 348 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 3
    • Board + 3.380% = 3.38%
    • $ 436/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 578/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 578/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 578/mth


1.55% (First year)


$ 348 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.65%
    • $ 352/mth
    • Year 3
    • Fixed Rate = 1.85%
    • $ 361/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 377/mth


1.58% (First year)


$ 349 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion if Board Rate Increase
  • Min $600k Loan
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Board + 1.580% = 1.58%
    • $ 349/mth
    • Year 2
    • Board + 1.580% = 1.58%
    • $ 349/mth
    • Year 3
    • Board + 1.580% = 1.58%
    • $ 349/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 391/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 391/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 391/mth


1.58% (First year)


$ 349 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 2
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 3
    • Fixed Rate = 1.98%
    • $ 367/mth
    • Year 4
    • Board + 4.880% = 4.88%
    • $ 512/mth
    • Year 5
    • Board + 4.880% = 4.88%
    • $ 512/mth
    • Year 6+
    • Board + 4.880% = 4.88%
    • $ 512/mth


1.59% (First year)


$ 349 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Valuation subsidy: Up to $500
  • For own business use.

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.180% = 1.59%
    • $ 349/mth
    • Year 2
    • 3M SIBOR + 1.180% = 1.59%
    • $ 349/mth
    • Year 3
    • 3M SIBOR + 1.580% = 1.99%
    • $ 368/mth
    • Year 4
    • 3M SIBOR + 1.580% = 1.99%
    • $ 368/mth
    • Year 5
    • 3M SIBOR + 1.580% = 1.99%
    • $ 368/mth
    • Year 6+
    • 3M SIBOR + 1.580% = 1.99%
    • $ 368/mth


1.60% (First year)


$ 350 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 2
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 3
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 346/mth


1.60% (First year)


$ 350 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • New Purchase
  • - Free Conversion After Lock In
  • Refi (Min Loan 500k)
  • - Val Sub: $350
  • - Free Conversion After Lock In
  • Refi (Min Loan $1m)
  • - Val Sub: $500
  • - Free Conversion After Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 2
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 3
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth