Refinancing, made clearer

Will refinancing your home loan actually save money?

Short answer:Refinancing helps only when the monthly savings recover legal, valuation and exit costs soon enough. Get written quotes from the three banks below and calculate the break-even point.

● Checked 15 Jul 2026

Choose in 3 steps

Work out these 3 numbers

  1. New monthly payment
  2. Legal, valuation and exit costs
  3. How long until the savings recover those costs

Your starting shortlist

3 banks to ask for a real quote

Option 1

CIMB HomeFlexi refinancing

  • Home financing or refinancing
  • Up to 35 years
  • Get your actual offered rate

Option 2

Maybank MaxiHome refinancing

  • Home financing or refinancing
  • Up to 35 years
  • Get your actual offered rate

Option 3

RHB My1 Full Flexi refinancing

  • Home financing or refinancing
  • Up to 35 years
  • Get your actual offered rate

What this answer does not do

We do not store or invent a personalized mortgage rate.

Want to check our work?

We use only current official records. The comparison applies to the stated example or shortlist; it is not a promise that the first option fits everyone.

How comparisons workHow data is checked

Before you decide:Compare written offers using the same balance and tenure before deciding.