What is Standard Chartered's current refinance rate in 2026?

Standard Chartered's refinance rate starts from 3.90% p.a. as of February 2026 for their MortgageOne and Saadiq My HomeOne-i products. The MortgageOne Zero Cost package is available at 4.20%. Actual rates depend on your credit profile, loan amount, and property type. Standard Chartered uses the SBR (Standardised Base Rate) of 2.75% plus a spread.

Can I refinance to Standard Chartered from another bank?

Yes, you can refinance your home loan from any Malaysian bank to Standard Chartered. This is a common process — Standard Chartered will settle your existing loan with your current bank and issue a new loan at their rates. You'll need to meet their eligibility requirements including minimum income of RM5,000/month and DSR below 70%.

What is the minimum loan amount for Standard Chartered refinancing?

Standard Chartered requires a minimum loan amount of RM100,000 for refinancing. The minimum property value accepted is RM300,000. There's no published maximum loan amount, but larger loans (above RM500,000) may qualify for better rate negotiations. The maximum financing margin is 90% of the property's market value.

Does Standard Chartered allow cash-out refinancing?

Yes, Standard Chartered offers cash-out refinancing where you can access your home equity. You can refinance up to 90% of your property's current market value and receive the difference between the new loan and your outstanding balance as cash. This is useful for renovations, debt consolidation, or investments. Use our cash-out calculator to estimate your amount.

What is Standard Chartered's lock-in period for refinancing?

Standard Chartered's refinance loans have a 3-year lock-in period. If you fully settle or refinance to another bank within this period, you'll incur an early settlement penalty of 1.5% to 3% of the outstanding loan amount. After the 3-year lock-in period expires, you can refinance freely without any penalty.

Can foreigners refinance with Standard Chartered Malaysia?

Yes, Standard Chartered is one of the most expat-friendly banks in Malaysia. They accept applications from foreigners with valid employment passes, MM2H visa holders, and permanent residents (PR). Foreigners typically receive up to 70-80% financing margin. Standard Chartered's international presence makes them more comfortable with foreign income documentation compared to local banks.

How long does Standard Chartered refinancing take?

The entire Standard Chartered refinancing process typically takes 2-3 months from application to disbursement. Breakdown: credit approval (2-4 weeks), property valuation (1-2 weeks), legal documentation (3-5 weeks), and disbursement (1-2 weeks). Priority Banking customers may experience faster processing times.

What documents do I need for Standard Chartered refinancing?

Salaried employees need: MyKad/passport, latest 3 months payslips, 3 months bank statements, EPF statement, current loan statements, and property documents. Self-employed applicants need: business registration (SSM), 2 years tax returns, 6 months bank statements, and business profile. Foreigners need their employment pass or MM2H visa in addition to standard documents.

Is Standard Chartered refinancing conventional or Islamic?

Standard Chartered offers both conventional and Islamic refinancing. Their conventional product is MortgageOne with an offset account feature starting from 3.90%. Their Islamic option is Saadiq My HomeOne-i, based on the Musharakah Mutanaqisah (diminishing partnership) concept, also starting from 3.90%. Both products offer up to 90% margin and 35-year tenure.

What happens if I break the lock-in period?

If you settle or refinance your Standard Chartered loan within the 3-year lock-in period, you'll be charged an early settlement penalty of 1.5% to 3% of the outstanding loan amount. For example, on a RM300,000 outstanding balance, the penalty could be RM4,500 to RM9,000. Always factor this cost into your refinancing calculation. After the lock-in period, there is no penalty.

Standard Chartered Malaysia

Standard Chartered Refinance Home Loan Malaysia 2026

Premium home financing with MortgageOne offset account

Updated: February 2026

3.90%

From Rate

90%

Max Margin

35 Yrs

Max Tenure

Conv & Islamic

Financing Type

Standard Chartered Highlights

MortgageOne offset account saves interest
Premium banking perks & dedicated RM
Expat & foreigner friendly
No processing fees for refinancing
Islamic financing (Saadiq) available

Standard Chartered Refinance at a Glance

3.90%

From Rate (Conv.)

RM300k

Min Property Value

35 Yrs

Max Tenure

RM5k

Min Income/Month

3 Yrs

Lock-in (1.5-3%)

Standard Chartered Home Loan Products

Choose the right Standard Chartered product for your refinancing needs

Best for Refinancing

Standard Home Loan

Competitive fixed & variable rates
Up to 90% financing margin
Up to 35 years tenure
No processing fees for refinancing
Available for residential properties

Best for Savings

MortgageOne (Offset Account)

Linked savings offset mortgage interest
Pay interest only on net balance
Full access to savings anytime
Significant interest savings over tenure
Ideal for high cash-flow borrowers

Islamic Option

Saadiq Home Financing-i

Syariah-compliant financing
Based on Musharakah Mutanaqisah concept
Competitive profit rates
Available for refinancing
Approved by Syariah Advisory Committee

How MortgageOne Offset Works

The unique feature that sets Standard Chartered apart from other banks

Without Offset (Normal Loan)

Loan AmountRM500,000

Savings in BankRM100,000

Interest Charged OnRM500,000

With MortgageOne Offset

Loan AmountRM500,000

Savings Offset- RM100,000

Interest Charged OnRM400,000

With RM100,000 savings offset at 3.90% rate, you save approximately RM3,900 per year in interest while keeping full access to your savings.

MortgageOne is ideal for borrowers who maintain large cash balances. The higher the savings, the greater the interest savings.

Standard Chartered Refinance Rates 2026

Compare rates across Standard Chartered home loan products

Product	Rate	Effective Rate	Lock-in	Margin
MortgageOne (Offset)	SBR + 1.15%	3.90%	3 years	Up to 90%
Saadiq My HomeOne-i	SBR + 1.15%	3.90%	3 years	Up to 90%
MortgageOne Zero Cost	SBR + 1.45%	4.20%	3 years	Up to 90%

Compare all 14 banks' rates → *SBR = Standardised Base Rate (2.75% as of 2026). Rates subject to change. Need extra cash? Calculate your cash-out amount.

Why Refinance with Standard Chartered?

Key advantages of choosing Standard Chartered for your home loan refinancing

MortgageOne Offset

Link your savings to offset mortgage interest - only pay interest on the net balance.

Premium Banking Perks

Access Priority Banking benefits including dedicated relationship manager and exclusive rates.

Expat & Foreigner Friendly

One of the most welcoming banks for expats, PR holders, and MM2H participants in Malaysia.

No Processing Fees

Save on upfront costs with waived processing fees for refinancing applications.

International Network

Benefit from Standard Chartered's global presence across 59 markets for cross-border banking.

Flexible Payments

Choose from multiple repayment options including partial prepayment without penalty after lock-in.

Standard Chartered Refinance Eligibility

Check if you qualify for Standard Chartered home loan refinancing

Citizenship

Malaysian citizens, PR, foreigners & MM2H

Age

21 – 65 years old at loan maturity

Minimum Income

RM5,000/month

Property Type

Residential — landed, condo/apartment

Minimum Loan

RM100,000 (min property value RM300,000)

DSR Limit

Up to 70%

Max Margin

Up to 90%

Existing Loan

Any bank can refinance to Standard Chartered

Already a Premium Customer?

Existing Standard Chartered Priority Banking or Premium clients may qualify for preferential rates and faster processing. Contact your relationship manager for exclusive refinancing offers.

Check your eligibility with our DSR Calculator

Don't Meet the RM5,000 Minimum?

Here are alternatives with lower minimum income requirements:

Maybank

From RM3,000/mo

CIMB

From RM3,000/mo

Public Bank

From RM3,000/mo

Dapatkan Kadar Terbaik Untuk Anda

Pakar kami akan bantu anda compare 10+ bank dalam masa 24 jam

How Much Can You Save with Standard Chartered?

Example: refinancing a RM500,000 property with RM300,000 outstanding loan, 30 years remaining

Current Bank (4.50%)

Outstanding LoanRM300,000

Interest Rate4.50%

Monthly PaymentRM1,520

Standard Chartered (3.90%)

Refinanced LoanRM300,000

Interest Rate3.90%

Monthly PaymentRM1,415

Your Estimated Savings

RM105/month

RM37,800 total over 30 years

Note: With MortgageOne offset, your effective savings could be even higher if you maintain cash in the linked savings account.

Calculate Your Exact Savings Check Your Eligibility (DSR)Calculate Cash-Out

Standard Chartered vs Other Banks — Refinance Comparison 2026

Compare Standard Chartered refinance rates with other major banks

Bank	Rate (%)	Lock-in	Min Income	Processing
★ Standard Chartered	3.90	3 yrs	RM5,000	2-4 weeks
Maybank	4.35	3-5 yrs	RM3,000	3-6 weeks
CIMB	4.35	3 yrs	RM3,000	2-4 weeks
Public Bank	4.22	3 yrs	RM3,000	3-5 weeks
RHB	4.10	3 yrs	RM3,000	2-4 weeks

Rates as of February 2026. Subject to change based on credit profile. Compare all 14 banks' rates →

Documents Required for Standard Chartered Refinance

Prepare these documents before applying

Salaried Employees

IC (MyKad/Passport)
Latest 3 months payslips
Latest 3 months bank statements
EPF statement
Current loan statements
Property documents (S&P, title)

Self-Employed

Business registration (SSM)
2 years tax returns (Form B/BE)
6 months bank statements
Business profile
Current loan statements
Property documents

Expats & Foreigners

Passport with valid visa
Employment pass / MM2H visa
Employment contract
Latest 6 months bank statements
Current loan statements (if any)
Property documents

View complete document checklist

How to Apply for Standard Chartered Refinance — Step by Step

Typical timeline: 2–3 months from application to disbursement

Check Eligibility & DSR

Use our DSR calculator to ensure you qualify. Minimum income RM5,000/month, DSR below 70%.

Use tool →

Gather Documents

IC/passport, 3 months payslips, 3 months bank statements, EPF, current loan statement, property documents.

Use tool →

Submit Application

Apply through our panel for free multi-bank comparison, or apply directly to Standard Chartered online or at any branch.

Valuation & Approval

Standard Chartered arranges property valuation. Credit assessment and approval takes 2-4 weeks. Priority Banking customers may get faster processing.

Letter of Offer & Legal

Review and sign the Letter of Offer. Complete legal documentation with Standard Chartered's appointed lawyer.

Disbursement

Standard Chartered settles your existing loan with your old bank. New loan begins with lower monthly payments.

Standard Chartered Contact for Housing Loan

Get in touch with Standard Chartered or our panel of advisors

Contact Standard Chartered Directly

Hotline
1300-888-888
Website
sc.com/my
Branches
Find your nearest branch

Get Free Consultation

Our panel of advisors can help compare Standard Chartered with other banks and find the best rate for you.

Compare rates from 15+ banks
Free eligibility check
No obligation quote

Standard Chartered Refinance FAQs

Ready to Refinance with Standard Chartered?

Get a free quote and compare Standard Chartered with other banks — takes 2 minutes.

Standard Chartered Refinance Home Loan Malaysia 2026

Standard Chartered Highlights

Standard Chartered Refinance at a Glance

Standard Chartered Home Loan Products

Standard Home Loan

MortgageOne (Offset Account)

Saadiq Home Financing-i

How MortgageOne Offset Works

Without Offset (Normal Loan)

With MortgageOne Offset

Standard Chartered Refinance Rates 2026

Why Refinance with Standard Chartered?

MortgageOne Offset

Premium Banking Perks

Expat & Foreigner Friendly

No Processing Fees

International Network

Flexible Payments

Standard Chartered Refinance Eligibility

Already a Premium Customer?

Don't Meet the RM5,000 Minimum?

Dapatkan Kadar Terbaik Untuk Anda

How Much Can You Save with Standard Chartered?

Current Bank (4.50%)

Standard Chartered (3.90%)

Standard Chartered vs Other Banks — Refinance Comparison 2026

Documents Required for Standard Chartered Refinance

Salaried Employees

Self-Employed

Expats & Foreigners

How to Apply for Standard Chartered Refinance — Step by Step

Check Eligibility & DSR

Gather Documents

Submit Application

Valuation & Approval

Letter of Offer & Legal

Disbursement

Standard Chartered Contact for Housing Loan

Contact Standard Chartered Directly

Get Free Consultation

Standard Chartered Refinance FAQs

Ready to Refinance with Standard Chartered?

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