Best Home Loans in Singapore

Top 4 Best Home Loans

Whether it is Fixed rate or Floating rate or pegged to Fixed Deposits, Sibor or Board home loan, we will get you the best rate Guaranteed.

Easy to Understand

We will explain the different types of loans & highlight the pros & cons of each home loan so that you can pick the right one that is suitable for you.

Clear Breakdown of Costs

We will highlight to you the costs involved and how much subsidies or cash rebates you may be entitled to receive based on your loan package.

OCBC Home Loan Promo

Buying an HDB

Year 1: SIBOR+0.30% = 2.18%
Year 2: SIBOR+0.40% = 2.28%
Thereafter: SIBOR+0.50% = 2.38%

  • No Lock-in for unlimited loan prepayments & sale
  • For completed properties
  • 3 Months SIBOR is approx 1.88%
  • Offer valid till first week of Jan 2019

OCBC 2 Years Fixed Rates

Refinancing HDB Loan

Year 1: 2.58% Fixed
Year 2: 2.58% Fixed
Thereafter: MBR+1.03% = 2.58%

  • Protects you from rate fluctuations for the first 2 years.
  • Pegged to OCBC mortgage board rate (bank managed rate) from Year 3.
  • OCBC MBR at 1.55% currently
  • Fee of 1.5% for prepayment of loan during first 2 years
  • Not required to purchase fire insurance (MIP) if property is strata titled property (saves approx 100-300 per year)

DBS Fixed Rate Package

Year 1: 2.38% p.a.
Year 2: 2.38% p.a.
Year 3: FHR8+1.880% p.a.
Thereafter: FHR8+1.880% p.a.

  • Commitment Period: 2 Years
  • The current Fixed Deposit Home Rate 8 (FHR8) is 0.675% p.a.
  • Fixed Deposit Home Rate 8 (FHR8) refers to the prevailing 8 months Singapore Dollar fixed deposit interest rate of DBS Bank for amounts within S$1,000 to S$9,999 or such other sum as we may specify.
  • Rates are quoted on per annum basis and are subject to change without prior notice.

DBS Floating Rate Package

Buying Private Property

Year 1: FHR8+1.580% = 2.255% p.a.
Year 2: FHR8+1.580% p.a.
Year 3: FHR8+1.580% p.a.
Thereafter: FHR8+1.580% p.a.

  • Commitment Period: 2 Years
  • The current Fixed Deposit Home Rate 8 (FHR8) is 0.675% p.a.
  • Fixed Deposit Home Rate 8 (FHR8) refers to the prevailing 8 months Singapore Dollar fixed deposit interest rate of DBS Bank for amounts within S$1,000 to S$9,999 or such other sum as we may specify.
  • Rates are quoted on per annum basis and are subject to change without prior notice.