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What will happen to my Home Protection Scheme exemption if I refinance my housing loan?

If you refinance your housing loan, your Home Protection Scheme (HPS) exemption will become invalid. If you wish to remain exempted from HPS for the refinanced loan, you may approach your insurer(s) to apply for HPS exemption after the refinancing is completed and the housing loan has been disbursed by the new mortgagee.

We will need to reassess the adequacy of your insurance policy for the refinanced loan as your existing insurance may not have enough coverage due to fluctuations in the mortgage rates or changes in loan period.