Hi Sifus,

Through some previous circumstances I have ended up with 2 loans from HSBC for my property. One is a HomeSmart with a balance of about 400k and another is a HomeSmart Reserve with a balance of about 200k. Both have the same interest rate of BLR-2.1%. Both also I believe (need to check) to be in the tail end of their lock in period.

My question is, at this point in time, is it a good time to consolidate both into one loan account with better interest rate? My preference is a fully flexible loan. What are the cost associated with moving?

Thanks