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Refinancing

Enjoy more financial flexibility when you refinance your home loan over to HSBC.

Refinance your mortgage for more financial flexibility

If you've had your home loan for several years now, it might be the time for you to review your home loan package. Explore opportunities with us to reduce your monthly payment, lower your interest rate, shorten your loan tenure or free up cash for other purposes. 

Enjoy zero[@mortgages-zero-cost-campaign] moving cost with HSBC HomeSmart/-i

Enjoy financial peace of mind with your upfront cost covered by HSBC when you finance or refinance your home with us.

This offer is valid until 31 December 2025.

Why choose HSBC to refinance your mortgage?

Flexible and affordable home loans

Whether you're looking for the stability of regular monthly payments, or the freedom to move funds for your personal needs, HSBC has the right home loan for you.

Check your eligibility instantly

Fill out our online form and you'll be able to check your affordability of a home loan in just minutes.

Apply from the comfort of your home

You can apply via email from home or walk in to any of our branches in Malaysia – our mortgage specialists will be happy to guide you through the process.

Benefits of refinancing your mortgage

Here are a few reasons why you might want to consider refinancing your mortgage with us.

  • Save on interest expenses
    Enjoy lower monthly instalments while saving on interest expenses, with more competitive interest rates.
  • Ease up with better cash flow
    Take advantage of your property’s rising value to obtain a larger home loan amount, which you can use to pay off your existing mortgage, and spend the excess on other life goals.
  • Enjoy financial flexibility
    Have more freedom to make excess payments, which saves interest and shortens loan tenure, while enjoying the flexibility to withdraw the excess funds with no fees when you need them.

Explore our mortgage products

HSBC HomeSmart  

Enjoy more control and flexibility to prioritise what is most important to you.

  HSBC HomeSmart-i This link will open in a new window

Enjoy more control and flexibility to prioritise what is most important to you based on the principle of Diminishing Musharakah.

How to apply

If you reside in Malaysia

Move one step closer to owning your dream home by getting an estimate on your eligible loan amount.

Get a Decision in Principle This link will open in a new window

Residing outside Malaysia or need to contact us?

Email us your details and we'll contact you for a follow-up.

Enquire now

Visit a branch 

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  Protect your home with Home Smart Cover This link will open in a new window

Safeguard your home with a customisable insurance plan that lets you choose the level of protection that suits you.

  Refer and receive up to RM4,500 cashback This link will open in a new window

Be rewarded with cashback when you successfully refer 6 friends or family to join HSBC Premier. Plus, be one of our top 3 referrers to enjoy an exclusive dining experience you can share with loved ones.

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