Hi, when refinancing, if it's free moving cost, is it really free? What sort of hidden fees could there be?

I'm looking at refinancing my condo at RM136,000 loan. Currently with SCBMB MortgageOne at 6.75% interest, will prefer conventional loans becos don't understand how they calculate the flexi loans. I've been with this loan for few years and only manage to knock off like 5K from my principal (taking into account BLR went up during these few years).

What's the approximate size of home loan which we can get from banks?

Combined income: 10k per month
Car loan: 950 per month
Existing home loan payment: 1k per month

Thanks.