Recently, home loan interest rates in Singapore have fallen significantly from the peak of 4.x% to the current 2.x% in 2025. Sadly, this drop in interest rate has not translated to a decrease in our home loan interest rate. This leaves us with a dilemma – do we refinance to […]

Recently, we made a decision to make an early prepayment to our home mortgage. It was a very hard decision to make as this payment is irreversible and it also means that we have lesser disposable cash (and CPF) on hand. Ultimately, it is a very difficult choice to make, […]