1.42% (First year)


$ 341 (First year)


1 year Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $800k

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.650% = 1.42%
    • $ 341/mth
    • Year 2
    • 3M SORA + 0.650% = 1.42%
    • $ 341/mth
    • Year 3
    • 3M SORA + 0.650% = 1.42%
    • $ 341/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 372/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 372/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 372/mth


1.47% (First year)


$ 344 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $800k

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.700% = 1.47%
    • $ 344/mth
    • Year 2
    • 3M SORA + 0.700% = 1.47%
    • $ 344/mth
    • Year 3
    • 3M SORA + 0.700% = 1.47%
    • $ 344/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth


1.52% (First year)


$ 346 (First year)


1 year Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.750% = 1.52%
    • $ 346/mth
    • Year 2
    • 3M SORA + 0.750% = 1.52%
    • $ 346/mth
    • Year 3
    • 3M SORA + 0.750% = 1.52%
    • $ 346/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth


1.57% (First year)


$ 349 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 1.57%
    • $ 349/mth
    • Year 2
    • 3M SORA + 0.800% = 1.57%
    • $ 349/mth
    • Year 3
    • 3M SORA + 0.800% = 1.57%
    • $ 349/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 373/mth


1.57% (First year)


$ 349 (First year)


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

FEATURES

  • - 1 time free conversion within 6month from T.O.P
  • - No valuation report required.

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 1.57%
    • $ 349/mth
    • Year 2
    • 3M SORA + 0.800% = 1.57%
    • $ 349/mth
    • Year 3
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth


1.57% (First year)


$ 349 (First year)


1 year Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 1.57%
    • $ 349/mth
    • Year 2
    • 3M SORA + 0.800% = 1.57%
    • $ 349/mth
    • Year 3
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth


1.57% (First year)


$ 349 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.800% = 1.57%
    • $ 349/mth
    • Year 2
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 3
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 380/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 380/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 380/mth


1.60% (First year)


$ 350 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Valuation Sub: $500 (Min $800k Loan)
  • Free Conversion if Board Rate Increase

RATES AND PAYMENTS

    • Year 1
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 2
    • Board + 1.700% = 1.70%
    • $ 355/mth
    • Year 3
    • Board + 2.000% = 2.00%
    • $ 369/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


1.62% (First year)


$ 351 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 2
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 3
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 4
    • 3M SORA + 1.300% = 2.07%
    • $ 371/mth
    • Year 5
    • 3M SORA + 1.300% = 2.07%
    • $ 371/mth
    • Year 6+
    • 3M SORA + 1.300% = 2.07%
    • $ 371/mth


1.62% (First year)


$ 351 (First year)


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

FEATURES

  • - 1 x Free Conversion Anytime

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 2
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 3
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 4
    • 3M SORA + 1.300% = 2.07%
    • $ 371/mth
    • Year 5
    • 3M SORA + 1.300% = 2.07%
    • $ 371/mth
    • Year 6+
    • 3M SORA + 1.300% = 2.07%
    • $ 371/mth


1.62% (First year)


$ 351 (First year)


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

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 2
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 3
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth


1.62% (First year)


$ 351 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 2
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 3
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth


1.62% (First year)


$ 351 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 2
    • 3M SORA + 0.850% = 1.62%
    • $ 351/mth
    • Year 3
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 381/mth


1.63% (First year)


$ 351 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.600% = 1.63%
    • $ 351/mth
    • Year 2
    • 1M SORA + 0.600% = 1.63%
    • $ 351/mth
    • Year 3
    • 1M SORA + 0.700% = 1.73%
    • $ 356/mth
    • Year 4
    • 1M SORA + 1.200% = 2.23%
    • $ 379/mth
    • Year 5
    • 1M SORA + 1.200% = 2.23%
    • $ 379/mth
    • Year 6+
    • 1M SORA + 1.200% = 2.23%
    • $ 379/mth


1.63% (First year)


$ 351 (First year)


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

FEATURES

  • - 1 x Free Conversion Anytime

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.600% = 1.63%
    • $ 351/mth
    • Year 2
    • 1M SORA + 0.600% = 1.63%
    • $ 351/mth
    • Year 3
    • 1M SORA + 0.700% = 1.73%
    • $ 356/mth
    • Year 4
    • 1M SORA + 1.200% = 2.23%
    • $ 379/mth
    • Year 5
    • 1M SORA + 1.200% = 2.23%
    • $ 379/mth
    • Year 6+
    • 1M SORA + 1.200% = 2.23%
    • $ 379/mth


1.63% (First year)


$ 351 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.600% = 1.63%
    • $ 351/mth
    • Year 2
    • 1M SORA + 0.600% = 1.63%
    • $ 351/mth
    • Year 3
    • 1M SORA + 0.700% = 1.73%
    • $ 356/mth
    • Year 4
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth
    • Year 5
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth
    • Year 6+
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth


1.63% (First year)


$ 351 (First year)


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

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.600% = 1.63%
    • $ 351/mth
    • Year 2
    • 1M SORA + 0.600% = 1.63%
    • $ 351/mth
    • Year 3
    • 1M SORA + 0.700% = 1.73%
    • $ 356/mth
    • Year 4
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth
    • Year 5
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth
    • Year 6+
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth


1.67% (First year)


$ 353 (First year)


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

FEATURES

  • 2 x Free Conversion ( 1 upon disbursement, 1 upon T.O.P )
  • Waiver of Cancellation Fee due to sale

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 2
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 3
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 4
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 5
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 6+
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth


1.67% (First year)


$ 353 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 12 month
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 2
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 3
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 4
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 5
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 6+
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth


1.67% (First year)


$ 353 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after 12 month
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 2
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 3
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 4
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 5
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 6+
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth


1.67% (First year)


$ 353 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 2
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 3
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 4
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 5
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 6+
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth


1.67% (First year)


$ 353 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Valuation Sub: $500 (Min $800k Loan)
  • Free Conversion within 3mth from end of Lock In

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 2
    • 3M SORA + 0.900% = 1.67%
    • $ 353/mth
    • Year 3
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 4
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 5
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 6+
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth


1.72% (First year)


$ 356 (First year)


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

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 2
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 3
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 4
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 5
    • 3M SORA + 1.300% = 2.07%
    • $ 371/mth
    • Year 6+
    • 3M SORA + 1.300% = 2.07%
    • $ 371/mth


1.72% (First year)


$ 356 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 2
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 3
    • 3M SORA + 1.200% = 1.97%
    • $ 367/mth
    • Year 4
    • 3M SORA + 1.250% = 2.02%
    • $ 370/mth
    • Year 5
    • 3M SORA + 1.250% = 2.02%
    • $ 370/mth
    • Year 6+
    • 3M SORA + 1.250% = 2.02%
    • $ 370/mth


1.72% (First year)


$ 356 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 2
    • 3M SORA + 0.950% = 1.72%
    • $ 356/mth
    • Year 3
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 4
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 5
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth
    • Year 6+
    • 3M SORA + 1.300% = 2.07%
    • $ 372/mth


1.73% (First year)


$ 356 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.700% = 1.73%
    • $ 356/mth
    • Year 2
    • 1M SORA + 0.700% = 1.73%
    • $ 356/mth
    • Year 3
    • 1M SORA + 0.800% = 1.83%
    • $ 361/mth
    • Year 4
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth
    • Year 5
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth
    • Year 6+
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth


1.73% (First year)


$ 356 (First year)


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

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.700% = 1.73%
    • $ 356/mth
    • Year 2
    • 1M SORA + 0.700% = 1.73%
    • $ 356/mth
    • Year 3
    • 1M SORA + 0.800% = 1.83%
    • $ 361/mth
    • Year 4
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth
    • Year 5
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth
    • Year 6+
    • 1M SORA + 1.250% = 2.28%
    • $ 381/mth


1.77% (First year)


$ 358 (First year)


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

FEATURES

  • 1 x Free Conversion within 6mth from T.O.P

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 2
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 3
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 4
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 5
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 6+
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth


1.77% (First year)


$ 358 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 2
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 3
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 4
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 5
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 6+
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth


1.77% (First year)


$ 358 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 2
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 3
    • 3M SORA + 1.100% = 1.87%
    • $ 363/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth


1.77% (First year)


$ 358 (First year)


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

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 2
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 3
    • 3M SORA + 1.100% = 1.87%
    • $ 363/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 374/mth


1.77% (First year)


$ 358 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 2
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 3
    • 3M SORA + 2.000% = 2.77%
    • $ 406/mth
    • Year 4
    • 3M SORA + 2.000% = 2.77%
    • $ 406/mth
    • Year 5
    • 3M SORA + 2.000% = 2.77%
    • $ 406/mth
    • Year 6+
    • 3M SORA + 2.000% = 2.77%
    • $ 406/mth


1.77% (First year)


$ 358 (First year)


1 year Lock-in Period
3M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 2
    • 3M SORA + 1.100% = 1.87%
    • $ 363/mth
    • Year 3
    • 3M SORA + 1.200% = 1.97%
    • $ 368/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 375/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 375/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 375/mth


1.77% (First year)


$ 358 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Valuation Subsidy for Refinancing
  • $500k: $350
  • $1m: $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.000% = 1.77%
    • $ 358/mth
    • Year 2
    • 3M SORA + 1.100% = 1.87%
    • $ 363/mth
    • Year 3
    • 3M SORA + 1.200% = 1.97%
    • $ 368/mth
    • Year 4
    • 3M SORA + 1.350% = 2.12%
    • $ 375/mth
    • Year 5
    • 3M SORA + 1.350% = 2.12%
    • $ 375/mth
    • Year 6+
    • 3M SORA + 1.350% = 2.12%
    • $ 375/mth


1.83% (First year)


$ 361 (First year)


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

FEATURES

  • - 1 time free conversion within 6month from T.O.P
  • - No valuation report required.

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.800% = 1.83%
    • $ 361/mth
    • Year 2
    • 1M SORA + 0.800% = 1.83%
    • $ 361/mth
    • Year 3
    • 1M SORA + 1.750% = 2.78%
    • $ 407/mth
    • Year 4
    • 1M SORA + 1.750% = 2.78%
    • $ 407/mth
    • Year 5
    • 1M SORA + 1.750% = 2.78%
    • $ 407/mth
    • Year 6+
    • 1M SORA + 1.750% = 2.78%
    • $ 407/mth


1.83% (First year)


$ 361 (First year)


1 year Lock-in Period
1M SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.800% = 1.83%
    • $ 361/mth
    • Year 2
    • 1M SORA + 0.800% = 1.83%
    • $ 361/mth
    • Year 3
    • 1M SORA + 1.750% = 2.78%
    • $ 407/mth
    • Year 4
    • 1M SORA + 1.750% = 2.78%
    • $ 407/mth
    • Year 5
    • 1M SORA + 1.750% = 2.78%
    • $ 407/mth
    • Year 6+
    • 1M SORA + 1.750% = 2.78%
    • $ 407/mth


1.85% (First year)


$ 362 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • - Interest commence 3months from Letter of Offer
  • - Annual Fee: $100 - $200
  • - Processing Fee: $500 - $1,000

RATES AND PAYMENTS

    • Year 1
    • Board + 1.850% = 1.85%
    • $ 362/mth
    • Year 2
    • Board + 1.950% = 1.95%
    • $ 367/mth
    • Year 3
    • Board + 3.500% = 3.50%
    • $ 444/mth
    • Year 4
    • Board + 5.450% = 5.45%
    • $ 548/mth
    • Year 5
    • Board + 5.450% = 5.45%
    • $ 548/mth
    • Year 6+
    • Board + 5.450% = 5.45%
    • $ 548/mth


1.92% (First year)


$ 366 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 50% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.150% = 1.92%
    • $ 366/mth
    • Year 2
    • 3M SORA + 1.150% = 1.92%
    • $ 366/mth
    • Year 3
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 4
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 5
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 6+
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth


1.93% (First year)


$ 366 (First year)


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

FEATURES

  • 2 x Free Conversion ( 1 upon disbursement, 1 upon T.O.P )
  • Waiver of Cancellation Fee due to sale

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 2
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 3
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 4
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 5
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 6+
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth


1.93% (First year)


$ 366 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • Free Conversion after 12 month
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 2
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 3
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth
    • Year 4
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth
    • Year 5
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth
    • Year 6+
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth


1.93% (First year)


$ 366 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • Free Conversion after 12 month
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 2
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 3
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth
    • Year 4
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth
    • Year 5
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth
    • Year 6+
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth


1.93% (First year)


$ 366 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 2
    • 1M SORA + 0.900% = 1.93%
    • $ 366/mth
    • Year 3
    • 1M SORA + 1.300% = 2.33%
    • $ 385/mth
    • Year 4
    • 1M SORA + 1.300% = 2.33%
    • $ 385/mth
    • Year 5
    • 1M SORA + 1.300% = 2.33%
    • $ 385/mth
    • Year 6+
    • 1M SORA + 1.300% = 2.33%
    • $ 385/mth


1.95% (First year)


$ 367 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • - Interest commence 3months from Letter of Offer
  • - Annual Fee: $100 - $200
  • - Processing Fee: $500 - $1,000

RATES AND PAYMENTS

    • Year 1
    • Board + 1.950% = 1.95%
    • $ 367/mth
    • Year 2
    • Board + 2.000% = 2.00%
    • $ 370/mth
    • Year 3
    • Board + 3.500% = 3.50%
    • $ 444/mth
    • Year 4
    • Board + 5.450% = 5.45%
    • $ 549/mth
    • Year 5
    • Board + 5.450% = 5.45%
    • $ 549/mth
    • Year 6+
    • Board + 5.450% = 5.45%
    • $ 549/mth


1.95% (First year)


$ 367 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Facility Fee: $1,000
  • Refinancing Only
  • Valuation Subsidy $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.180% = 1.95%
    • $ 367/mth
    • Year 2
    • 3M SORA + 1.180% = 1.95%
    • $ 367/mth
    • Year 3
    • 3M SORA + 3.000% = 3.77%
    • $ 458/mth
    • Year 4
    • 3M SORA + 3.000% = 3.77%
    • $ 458/mth
    • Year 5
    • 3M SORA + 3.000% = 3.77%
    • $ 458/mth
    • Year 6+
    • 3M SORA + 3.000% = 3.77%
    • $ 458/mth


1.97% (First year)


$ 368 (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% = 1.97%
    • $ 368/mth
    • Year 2
    • 3M SORA + 1.200% = 1.97%
    • $ 368/mth
    • Year 3
    • 3M SORA + 4.000% = 4.77%
    • $ 513/mth
    • Year 4
    • 3M SORA + 4.000% = 4.77%
    • $ 513/mth
    • Year 5
    • 3M SORA + 4.000% = 4.77%
    • $ 513/mth
    • Year 6+
    • 3M SORA + 4.000% = 4.77%
    • $ 513/mth


1.98% (First year)


$ 369 (First year)


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

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.950% = 1.98%
    • $ 369/mth
    • Year 2
    • 1M SORA + 0.950% = 1.98%
    • $ 369/mth
    • Year 3
    • 1M SORA + 0.950% = 1.98%
    • $ 369/mth
    • Year 4
    • 1M SORA + 0.950% = 1.98%
    • $ 369/mth
    • Year 5
    • 1M SORA + 1.300% = 2.33%
    • $ 384/mth
    • Year 6+
    • 1M SORA + 1.300% = 2.33%
    • $ 384/mth


1.98% (First year)


$ 369 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 0.950% = 1.98%
    • $ 369/mth
    • Year 2
    • 1M SORA + 0.950% = 1.98%
    • $ 369/mth
    • Year 3
    • 1M SORA + 1.300% = 2.33%
    • $ 385/mth
    • Year 4
    • 1M SORA + 1.300% = 2.33%
    • $ 385/mth
    • Year 5
    • 1M SORA + 1.300% = 2.33%
    • $ 385/mth
    • Year 6+
    • 1M SORA + 1.300% = 2.33%
    • $ 385/mth


2.02% (First year)


$ 371 (First year)


3 years Lock-in Period
3M SORA Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 2
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 3
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 4
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 5
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 6+
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth


2.02% (First year)


$ 371 (First year)


3 years Lock-in Period
3M SORA Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 2
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 3
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 4
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 5
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 6+
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth


2.02% (First year)


$ 371 (First year)


3 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Min $500k Loan
  • - Valuation Subsidy for Refinancing, $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 2
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 3
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 4
    • 3M SORA + 3.000% = 3.77%
    • $ 456/mth
    • Year 5
    • 3M SORA + 3.000% = 3.77%
    • $ 456/mth
    • Year 6+
    • 3M SORA + 3.000% = 3.77%
    • $ 456/mth


2.02% (First year)


$ 371 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 2
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 3
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 4
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 5
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 6+
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth


2.02% (First year)


$ 371 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 2
    • 3M SORA + 1.250% = 2.02%
    • $ 371/mth
    • Year 3
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 4
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 5
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 6+
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth


2.03% (First year)


$ 371 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth
    • Year 2
    • 1M SORA + 1.000% = 2.03%
    • $ 371/mth
    • Year 3
    • 1M SORA + 4.000% = 5.03%
    • $ 528/mth
    • Year 4
    • 1M SORA + 4.000% = 5.03%
    • $ 528/mth
    • Year 5
    • 1M SORA + 4.000% = 5.03%
    • $ 528/mth
    • Year 6+
    • 1M SORA + 4.000% = 5.03%
    • $ 528/mth


2.05% (First year)


$ 372 (First year)


2 years Lock-in Period
FHR6 (DBS) Rate Type

FEATURES

  • Waiver of Penalty Due to Sale
  • 1 x Free Conversion, 6mth from Disbursement

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 1.300% = 2.05%
    • $ 372/mth
    • Year 2
    • FHR6 (DBS) + 1.300% = 2.05%
    • $ 372/mth
    • Year 3
    • FHR6 (DBS) + 1.300% = 2.05%
    • $ 372/mth
    • Year 4
    • FHR6 (DBS) + 1.300% = 2.05%
    • $ 372/mth
    • Year 5
    • FHR6 (DBS) + 1.300% = 2.05%
    • $ 372/mth
    • Year 6+
    • FHR6 (DBS) + 1.300% = 2.05%
    • $ 372/mth


2.05% (First year)


$ 372 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Facility Fee: $1,000
  • Refinancing Only
  • Valuation Subsidy $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.280% = 2.05%
    • $ 372/mth
    • Year 2
    • 3M SORA + 1.280% = 2.05%
    • $ 372/mth
    • Year 3
    • 3M SORA + 4.000% = 4.77%
    • $ 513/mth
    • Year 4
    • 3M SORA + 4.000% = 4.77%
    • $ 513/mth
    • Year 5
    • 3M SORA + 4.000% = 4.77%
    • $ 513/mth
    • Year 6+
    • 3M SORA + 4.000% = 4.77%
    • $ 513/mth


2.12% (First year)


$ 376 (First year)


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

FEATURES

  • - Free Conversion Anytime
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.350% = 2.12%
    • $ 376/mth
    • Year 2
    • 3M SORA + 1.350% = 2.12%
    • $ 376/mth
    • Year 3
    • 3M SORA + 1.500% = 2.27%
    • $ 383/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 383/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 383/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 383/mth


2.12% (First year)


$ 376 (First year)


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

FEATURES

  • - Free Conversion Anytime

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.350% = 2.12%
    • $ 376/mth
    • Year 2
    • 3M SORA + 1.350% = 2.12%
    • $ 376/mth
    • Year 3
    • 3M SORA + 1.500% = 2.27%
    • $ 383/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 383/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 383/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 383/mth


2.13% (First year)


$ 376 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.100% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SORA + 1.100% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SORA + 4.100% = 5.13%
    • $ 534/mth
    • Year 4
    • 1M SORA + 4.100% = 5.13%
    • $ 534/mth
    • Year 5
    • 1M SORA + 4.100% = 5.13%
    • $ 534/mth
    • Year 6+
    • 1M SORA + 4.100% = 5.13%
    • $ 534/mth


2.15% (First year)


$ 377 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • No Valuation Fee for Refinancing
  • Clawback is pegged to Lock in Period
  • Loan Disbursement must be within 9 mth from date of LO
  • 1 x Free Conversion within 6month from T.O.P

RATES AND PAYMENTS

    • Year 1
    • Board + 2.150% = 2.15%
    • $ 377/mth
    • Year 2
    • Board + 2.150% = 2.15%
    • $ 377/mth
    • Year 3
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 4
    • Board + 2.450% = 2.45%
    • $ 391/mth
    • Year 5
    • Board + 2.450% = 2.45%
    • $ 391/mth
    • Year 6+
    • Board + 2.450% = 2.45%
    • $ 391/mth


2.15% (First year)


$ 377 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • No Valuation Fee for Refinancing
  • Clawback is pegged to Lock in Period

RATES AND PAYMENTS

    • Year 1
    • Board + 2.150% = 2.15%
    • $ 377/mth
    • Year 2
    • Board + 2.150% = 2.15%
    • $ 377/mth
    • Year 3
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 4
    • Board + 2.450% = 2.45%
    • $ 391/mth
    • Year 5
    • Board + 2.450% = 2.45%
    • $ 391/mth
    • Year 6+
    • Board + 2.450% = 2.45%
    • $ 391/mth


2.17% (First year)


$ 378 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 2
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 3
    • 3M SORA + 1.600% = 2.37%
    • $ 388/mth
    • Year 4
    • 3M SORA + 1.600% = 2.37%
    • $ 388/mth
    • Year 5
    • 3M SORA + 1.600% = 2.37%
    • $ 388/mth
    • Year 6+
    • 3M SORA + 1.600% = 2.37%
    • $ 388/mth


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 3M SORA + 1.400% = 2.17%
    • $ 378/mth
    • Year 3
    • 3M SORA + 4.000% = 4.77%
    • $ 514/mth
    • Year 4
    • 3M SORA + 4.000% = 4.77%
    • $ 514/mth
    • Year 5
    • 3M SORA + 4.000% = 4.77%
    • $ 514/mth
    • Year 6+
    • 3M SORA + 4.000% = 4.77%
    • $ 514/mth


2.18% (First year)


$ 379 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Partial payment penalty waiver on 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 2
    • Board + 2.280% = 2.28%
    • $ 384/mth
    • Year 3
    • Board + 2.480% = 2.48%
    • $ 393/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 482/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 482/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 482/mth


2.18% (First year)


$ 379 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • For Owners Occupation
  • Partial payment penalty waiver on 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 2
    • Board + 2.380% = 2.38%
    • $ 389/mth
    • Year 3
    • Board + 2.580% = 2.58%
    • $ 398/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 482/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 482/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 482/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Partial payment penalty waiver on 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 2
    • Board + 2.380% = 2.38%
    • $ 389/mth
    • Year 3
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 485/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • For Owners Occupation
  • Partial payment penalty waiver on 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 2
    • Board + 2.380% = 2.38%
    • $ 389/mth
    • Year 3
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 485/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 2
    • Board + 2.560% = 2.56%
    • $ 398/mth
    • Year 3
    • Board + 3.880% = 3.88%
    • $ 466/mth
    • Year 4
    • Board + 4.880% = 4.88%
    • $ 519/mth
    • Year 5
    • Board + 4.880% = 4.88%
    • $ 519/mth
    • Year 6+
    • Board + 4.880% = 4.88%
    • $ 519/mth


2.18% (First year)


$ 379 (First year)


3 years Lock-in Period
1M SORA Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 4
    • 1M SORA + 1.400% = 2.43%
    • $ 390/mth
    • Year 5
    • 1M SORA + 1.400% = 2.43%
    • $ 390/mth
    • Year 6+
    • 1M SORA + 1.400% = 2.43%
    • $ 390/mth


2.18% (First year)


$ 379 (First year)


3 years Lock-in Period
1M SORA Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 4
    • 1M SORA + 1.400% = 2.43%
    • $ 390/mth
    • Year 5
    • 1M SORA + 1.400% = 2.43%
    • $ 390/mth
    • Year 6+
    • 1M SORA + 1.400% = 2.43%
    • $ 390/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SORA + 1.400% = 2.43%
    • $ 391/mth
    • Year 4
    • 1M SORA + 1.400% = 2.43%
    • $ 391/mth
    • Year 5
    • 1M SORA + 1.400% = 2.43%
    • $ 391/mth
    • Year 6+
    • 1M SORA + 1.400% = 2.43%
    • $ 391/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SORA + 1.150% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SORA + 1.400% = 2.43%
    • $ 391/mth
    • Year 4
    • 1M SORA + 1.400% = 2.43%
    • $ 391/mth
    • Year 5
    • 1M SORA + 1.400% = 2.43%
    • $ 391/mth
    • Year 6+
    • 1M SORA + 1.400% = 2.43%
    • $ 391/mth


2.23% (First year)


$ 381 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

  • 1 x Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.200% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SORA + 1.200% = 2.23%
    • $ 381/mth
    • Year 3
    • 1M SORA + 3.200% = 4.23%
    • $ 484/mth
    • Year 4
    • 1M SORA + 3.200% = 4.23%
    • $ 484/mth
    • Year 5
    • 1M SORA + 3.200% = 4.23%
    • $ 484/mth
    • Year 6+
    • 1M SORA + 3.200% = 4.23%
    • $ 484/mth


2.28% (First year)


$ 384 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.280% = 2.28%
    • $ 384/mth
    • Year 2
    • Board + 2.480% = 2.48%
    • $ 394/mth
    • Year 3
    • Board + 2.680% = 2.68%
    • $ 404/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 483/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 483/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 483/mth


2.28% (First year)


$ 384 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.280% = 2.28%
    • $ 384/mth
    • Year 2
    • Board + 2.480% = 2.48%
    • $ 394/mth
    • Year 3
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 486/mth


2.28% (First year)


$ 384 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Board + 2.280% = 2.28%
    • $ 384/mth
    • Year 2
    • Board + 2.660% = 2.66%
    • $ 403/mth
    • Year 3
    • Board + 3.980% = 3.98%
    • $ 471/mth
    • Year 4
    • Board + 4.980% = 4.98%
    • $ 525/mth
    • Year 5
    • Board + 4.980% = 4.98%
    • $ 525/mth
    • Year 6+
    • Board + 4.980% = 4.98%
    • $ 525/mth


2.28% (First year)


$ 384 (First year)


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

FEATURES

  • - Free Conversion Anytime
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.250% = 2.28%
    • $ 384/mth
    • Year 2
    • 1M SORA + 1.250% = 2.28%
    • $ 384/mth
    • Year 3
    • 1M SORA + 1.500% = 2.53%
    • $ 396/mth
    • Year 4
    • 1M SORA + 1.500% = 2.53%
    • $ 396/mth
    • Year 5
    • 1M SORA + 1.500% = 2.53%
    • $ 396/mth
    • Year 6+
    • 1M SORA + 1.500% = 2.53%
    • $ 396/mth


2.28% (First year)


$ 384 (First year)


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

FEATURES

  • - Free Conversion Anytime

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.250% = 2.28%
    • $ 384/mth
    • Year 2
    • 1M SORA + 1.250% = 2.28%
    • $ 384/mth
    • Year 3
    • 1M SORA + 1.500% = 2.53%
    • $ 396/mth
    • Year 4
    • 1M SORA + 1.500% = 2.53%
    • $ 396/mth
    • Year 5
    • 1M SORA + 1.500% = 2.53%
    • $ 396/mth
    • Year 6+
    • 1M SORA + 1.500% = 2.53%
    • $ 396/mth


2.33% (First year)


$ 386 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • - Not applicable to JTC, Repricing, Equity loan & loan to non profit organisation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.330% = 2.33%
    • $ 386/mth
    • Year 2
    • Board + 2.530% = 2.53%
    • $ 396/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 459/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 485/mth


2.33% (First year)


$ 386 (First year)


2 years Lock-in Period
1M SORA Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 1M SORA + 1.300% = 2.33%
    • $ 386/mth
    • Year 2
    • 1M SORA + 1.300% = 2.33%
    • $ 386/mth
    • Year 3
    • 1M SORA + 1.600% = 2.63%
    • $ 401/mth
    • Year 4
    • 1M SORA + 1.600% = 2.63%
    • $ 401/mth
    • Year 5
    • 1M SORA + 1.600% = 2.63%
    • $ 401/mth
    • Year 6+
    • 1M SORA + 1.600% = 2.63%
    • $ 401/mth


2.35% (First year)


$ 387 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.580% = 2.35%
    • $ 387/mth
    • Year 2
    • 3M SORA + 3.180% = 3.95%
    • $ 472/mth
    • Year 3
    • 3M SORA + 3.880% = 4.65%
    • $ 511/mth
    • Year 4
    • 3M SORA + 3.880% = 4.65%
    • $ 511/mth
    • Year 5
    • 3M SORA + 3.880% = 4.65%
    • $ 511/mth
    • Year 6+
    • 3M SORA + 3.880% = 4.65%
    • $ 511/mth


2.38% (First year)


$ 389 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • For Investment Purposes
  • Partial payment penalty waiver on 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 2.380% = 2.38%
    • $ 389/mth
    • Year 2
    • Board + 2.580% = 2.58%
    • $ 399/mth
    • Year 3
    • Board + 2.980% = 2.98%
    • $ 419/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 484/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 484/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 484/mth


2.38% (First year)


$ 389 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • For Investment Purposes
  • Partial payment penalty waiver on 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 2.380% = 2.38%
    • $ 389/mth
    • Year 2
    • Board + 2.580% = 2.58%
    • $ 399/mth
    • Year 3
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 486/mth


2.48% (First year)


$ 394 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Investment Purpose

RATES AND PAYMENTS

    • Year 1
    • Board + 2.480% = 2.48%
    • $ 394/mth
    • Year 2
    • Board + 2.680% = 2.68%
    • $ 404/mth
    • Year 3
    • Board + 2.880% = 2.88%
    • $ 414/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 484/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 484/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 484/mth


2.48% (First year)


$ 394 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Investment Purpose

RATES AND PAYMENTS

    • Year 1
    • Board + 2.480% = 2.48%
    • $ 394/mth
    • Year 2
    • Board + 2.680% = 2.68%
    • $ 404/mth
    • Year 3
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 486/mth


2.50% (First year)


$ 395 (First year)


No Lock-in Lock-in Period
FHR6 (DBS) Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 1.750% = 2.50%
    • $ 395/mth
    • Year 2
    • FHR6 (DBS) + 1.750% = 2.50%
    • $ 395/mth
    • Year 3
    • FHR6 (DBS) + 1.750% = 2.50%
    • $ 395/mth
    • Year 4
    • FHR6 (DBS) + 1.750% = 2.50%
    • $ 395/mth
    • Year 5
    • FHR6 (DBS) + 1.750% = 2.50%
    • $ 395/mth
    • Year 6+
    • FHR6 (DBS) + 1.750% = 2.50%
    • $ 395/mth


2.50% (First year)


$ 395 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • - Not applicable to JTC, Repricing, Equity loan & loan to non profit organisation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.500% = 2.50%
    • $ 395/mth
    • Year 2
    • Board + 2.750% = 2.75%
    • $ 408/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 459/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 486/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 486/mth


2.55% (First year)


$ 398 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • No Valuation Fee for Refinancing
  • Clawback is pegged to Lock in Period
  • Loan Disbursement must be within 9 mth from date of LO
  • 1 x Free Conversion within 6month from T.O.P

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.55%
    • $ 398/mth
    • Year 2
    • Board + 2.400% = 2.40%
    • $ 390/mth
    • Year 3
    • Board + 2.450% = 2.45%
    • $ 393/mth
    • Year 4
    • Board + 2.450% = 2.45%
    • $ 393/mth
    • Year 5
    • Board + 2.450% = 2.45%
    • $ 393/mth
    • Year 6+
    • Board + 2.450% = 2.45%
    • $ 393/mth


2.55% (First year)


$ 398 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • No Valuation Fee for Refinancing
  • Clawback is pegged to Lock in Period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.55%
    • $ 398/mth
    • Year 2
    • Board + 2.400% = 2.40%
    • $ 390/mth
    • Year 3
    • Board + 2.450% = 2.45%
    • $ 393/mth
    • Year 4
    • Board + 2.450% = 2.45%
    • $ 393/mth
    • Year 5
    • Board + 2.450% = 2.45%
    • $ 393/mth
    • Year 6+
    • Board + 2.450% = 2.45%
    • $ 393/mth


2.55% (First year)


$ 398 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.55%
    • $ 398/mth
    • Year 2
    • Fixed Rate = 2.55%
    • $ 398/mth
    • Year 3
    • 1M SORA + 1.550% = 2.58%
    • $ 399/mth
    • Year 4
    • 1M SORA + 1.550% = 2.58%
    • $ 399/mth
    • Year 5
    • 1M SORA + 1.550% = 2.58%
    • $ 399/mth
    • Year 6+
    • 1M SORA + 1.550% = 2.58%
    • $ 399/mth


2.55% (First year)


$ 398 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.55%
    • $ 398/mth
    • Year 2
    • Fixed Rate = 2.55%
    • $ 398/mth
    • Year 3
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 4
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 5
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 6+
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth


2.55% (First year)


$ 398 (First year)


2 years Lock-in Period
3M SORA Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • 3M SORA + 1.780% = 2.55%
    • $ 398/mth
    • Year 2
    • 3M SORA + 3.380% = 4.15%
    • $ 484/mth
    • Year 3
    • 3M SORA + 4.080% = 4.85%
    • $ 523/mth
    • Year 4
    • 3M SORA + 4.080% = 4.85%
    • $ 523/mth
    • Year 5
    • 3M SORA + 4.080% = 4.85%
    • $ 523/mth
    • Year 6+
    • 3M SORA + 4.080% = 4.85%
    • $ 523/mth


2.65% (First year)


$ 403 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.65%
    • $ 403/mth
    • Year 2
    • Fixed Rate = 2.65%
    • $ 403/mth
    • Year 3
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 4
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 5
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 6+
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth


2.65% (First year)


$ 403 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.65%
    • $ 403/mth
    • Year 2
    • Fixed Rate = 2.65%
    • $ 403/mth
    • Year 3
    • Fixed Rate = 2.65%
    • $ 403/mth
    • Year 4
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 5
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 6+
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth


2.75% (First year)


$ 408 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 2
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 3
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth


2.75% (First year)


$ 408 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 2
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 3
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth


2.75% (First year)


$ 408 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 2
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 3
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth


2.75% (First year)


$ 408 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 2
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 3
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 4
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 5
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth
    • Year 6+
    • 3M SORA + 1.500% = 2.27%
    • $ 385/mth


2.75% (First year)


$ 408 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 2
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 3
    • Fixed Rate = 2.75%
    • $ 408/mth
    • Year 4
    • 1M SORA + 1.600% = 2.63%
    • $ 403/mth
    • Year 5
    • 1M SORA + 1.600% = 2.63%
    • $ 403/mth
    • Year 6+
    • 1M SORA + 1.600% = 2.63%
    • $ 403/mth


2.88% (First year)


$ 415 (First year)


1 year Lock-in Period
Fixed Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.88%
    • $ 415/mth
    • Year 2
    • 3M SORA + 1.200% = 1.97%
    • $ 370/mth
    • Year 3
    • 3M SORA + 3.000% = 3.77%
    • $ 460/mth
    • Year 4
    • 3M SORA + 3.000% = 3.77%
    • $ 460/mth
    • Year 5
    • 3M SORA + 3.000% = 3.77%
    • $ 460/mth
    • Year 6+
    • 3M SORA + 3.000% = 3.77%
    • $ 460/mth


2.95% (First year)


$ 419 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.95%
    • $ 419/mth
    • Year 2
    • Fixed Rate = 2.95%
    • $ 419/mth
    • Year 3
    • Fixed Rate = 2.95%
    • $ 419/mth
    • Year 4
    • 1M SORA + 1.500% = 2.53%
    • $ 399/mth
    • Year 5
    • 1M SORA + 1.500% = 2.53%
    • $ 399/mth
    • Year 6+
    • 1M SORA + 1.500% = 2.53%
    • $ 399/mth


2.98% (First year)


$ 421 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.98%
    • $ 421/mth
    • Year 2
    • Fixed Rate = 2.98%
    • $ 421/mth
    • Year 3
    • 1M SORA + 1.200% = 2.23%
    • $ 383/mth
    • Year 4
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 5
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 6+
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth


2.98% (First year)


$ 421 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.98%
    • $ 421/mth
    • Year 2
    • Fixed Rate = 2.98%
    • $ 421/mth
    • Year 3
    • 1M SORA + 1.200% = 2.23%
    • $ 383/mth
    • Year 4
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 5
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth
    • Year 6+
    • 1M SORA + 1.600% = 2.63%
    • $ 402/mth


3.00% (First year)


$ 422 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 3.00%
    • $ 422/mth
    • Year 2
    • Fixed Rate = 3.00%
    • $ 422/mth
    • Year 3
    • 1M SORA + 1.300% = 2.33%
    • $ 388/mth
    • Year 4
    • 1M SORA + 1.300% = 2.33%
    • $ 388/mth
    • Year 5
    • 1M SORA + 1.300% = 2.33%
    • $ 388/mth
    • Year 6+
    • 1M SORA + 1.300% = 2.33%
    • $ 388/mth


3.00% (First year)


$ 422 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 3.00%
    • $ 422/mth
    • Year 2
    • Fixed Rate = 3.00%
    • $ 422/mth
    • Year 3
    • Fixed Rate = 3.00%
    • $ 422/mth
    • Year 4
    • 1M SORA + 1.500% = 2.53%
    • $ 399/mth
    • Year 5
    • 1M SORA + 1.500% = 2.53%
    • $ 399/mth
    • Year 6+
    • 1M SORA + 1.500% = 2.53%
    • $ 399/mth


3.00% (First year)


$ 422 (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 = 3.00%
    • $ 422/mth
    • Year 2
    • Fixed Rate = 3.00%
    • $ 422/mth
    • Year 3
    • 3M SORA + 3.000% = 3.77%
    • $ 462/mth
    • Year 4
    • 3M SORA + 3.000% = 3.77%
    • $ 462/mth
    • Year 5
    • 3M SORA + 3.000% = 3.77%
    • $ 462/mth
    • Year 6+
    • 3M SORA + 3.000% = 3.77%
    • $ 462/mth


3.05% (First year)


$ 424 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 3.05%
    • $ 424/mth
    • Year 2
    • Fixed Rate = 3.05%
    • $ 424/mth
    • Year 3
    • 1M SORA + 1.300% = 2.33%
    • $ 388/mth
    • Year 4
    • 1M SORA + 1.300% = 2.33%
    • $ 388/mth
    • Year 5
    • 1M SORA + 1.300% = 2.33%
    • $ 388/mth
    • Year 6+
    • 1M SORA + 1.300% = 2.33%
    • $ 388/mth


3.08% (First year)


$ 426 (First year)


1 year Lock-in Period
Fixed Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 3.08%
    • $ 426/mth
    • Year 2
    • 3M SORA + 1.400% = 2.17%
    • $ 380/mth
    • Year 3
    • 3M SORA + 3.000% = 3.77%
    • $ 461/mth
    • Year 4
    • 3M SORA + 3.000% = 3.77%
    • $ 461/mth
    • Year 5
    • 3M SORA + 3.000% = 3.77%
    • $ 461/mth
    • Year 6+
    • 3M SORA + 3.000% = 3.77%
    • $ 461/mth


3.08% (First year)


$ 426 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 3.08%
    • $ 426/mth
    • Year 2
    • 3M SORA + 3.080% = 3.85%
    • $ 468/mth
    • Year 3
    • 3M SORA + 3.680% = 4.45%
    • $ 501/mth
    • Year 4
    • 3M SORA + 3.680% = 4.45%
    • $ 501/mth
    • Year 5
    • 3M SORA + 3.680% = 4.45%
    • $ 501/mth
    • Year 6+
    • 3M SORA + 3.680% = 4.45%
    • $ 501/mth


3.28% (First year)


$ 437 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 3.28%
    • $ 437/mth
    • Year 2
    • Fixed Rate = 3.28%
    • $ 437/mth
    • Year 3
    • 3M SORA + 2.000% = 2.77%
    • $ 411/mth
    • Year 4
    • 3M SORA + 2.000% = 2.77%
    • $ 411/mth
    • Year 5
    • 3M SORA + 2.000% = 2.77%
    • $ 411/mth
    • Year 6+
    • 3M SORA + 2.000% = 2.77%
    • $ 411/mth


3.28% (First year)


$ 437 (First year)


2 years Lock-in Period
Fixed Rate Type