Hi guys,

I wonder if anyone of you guys came across cases like mine?

I have term home loan with HLBB and since the lock in period is over, I would like to refinance the loan to a flexi loan. Has anyone of you manage to get incumbent bank to convert term loan to flexi loan without incurring in additional fees (legal, stamp duty, etc.), i.e. in my case, to request HLBB to convert the term loan to flexi loan (and probably top up the loan as well during the process)?

Thanks in advance.

I have called them up but it's taking ages for them to respond hence I am seeking advice elsewhere. Well... maybe my loan amount is too small for them to pay any attention.