any banks offering zero moving cost promotions? I am currently talking to HSBC and was wondering are there any other banks.

don't have the details or your offer letter, but I suspect the interest is calculated daily rest, and since you are making 4 payments a month, the interest will go down compared to 1 lump sum a month.

However are u sure it is only 48 payments? (1 year got ~52 weeks). I suspect they are asking u to make payment at fixed dates (1st,8th,15th,22th)

Re-reading your question - are u asking for ways to further reduce interest?

my first thought is easier approval as joint income is assessed. However MRTA is higher (2 names), and both names are checked for existing loans (and 3rd housing loan - 70%)

if in lock in period, will get penalty even if refinance. unless same bank and they give exemption.