Our refinance program offers you a rate of 8.50% p.a. for a minimum of five years.

In addition to a loan approval fee of just 0.75% and we’ll also waive legal document, valuation, and title deed registration fees.

The numbers


8.50% p.a.

Document fees

Free legal document, valuation, and title deed registration fees

Additional Benefits

  • A home loan customer who meets a drawn-down limit of $200K and above is automatically eligible to be a Premier Customer without a minimum deposit required.
  • Recent home loan customers (approval is within 3 months) are eligible to receive a Credit Card with a limit of 5% of the loan limit or $10K (whichever is lower).
  • Credit Card Annual Fee for primary and additional cards for the first year will be waived.

How to apply

More information

  • This offer does not apply to existing J Trust Royal home loan customers who want to reprice their existing loan. The standard repricing fee structure applies.
  • This offer cannot be used in conjunction with any other promotions. If a customer is eligible for more than one promotion the customer can choose their preferred one.
  • J Trust Royal’s usual assessment policy applies to this package.

Call Us

Call our Home Loan Hotlines on +855 (0)78 222 082 or +855 (0)78 222 086.

Contact Us

Write to Us

Fill in an online home loan enquiry form to kick-start the loan process.

Home Loan Enquiry

Visit Us

Talk to a Lending Manager at your nearest branch.

Find Us