No — we're paid by the bank on successful drawdown, not by you.
It can, particularly for HDB owners — accrued interest on CPF used for your existing loan is a factor we walk through as part of your report.
Not for a straightforward owner-occupied refinance that doesn't increase your loan amount or involve cash-out.
We factor in the redemption penalty and show you the breakeven point — sometimes it's still worth switching, sometimes it's worth waiting, and we'll tell you either way.
Most cases complete within 8–10 weeks from application to the new loan taking over.
No — your No Claims Discount carries over regardless of which insurer you compare with or switch to.
Your current premium, NCD, coverage type (comprehensive, TPFT, or TPO), and workshop preference. Your vehicle's registration details help us get precise quotes.
Not always — it depends on your vehicle's value and your risk tolerance. We'll walk through the trade-offs as part of your comparison, not just default you into the priciest option.
We receive a commission from the insurer when a policy is placed through us — never a fee from you.
Yes — your details are used only to prepare your comparison and, if you choose to proceed, your application. Exact data handling and PDPA language to be confirmed before launch.