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Lowest Home Loan Rates in Singapore across 16 Banks.

New Property

Interest rates as low as 1.23%
up to $1,900 cash rewards

Refinance

Interest rates as low as 1.23%
up to $3,300 cash rewards

DollarBack Mortgage provides professional advice and access to the best home loans in Singapore, covering all aspects from buying your dream HDB or private condo, to refinancing your housing loans. Enjoy cash rewards and special conditions (e.g. waiver of penalty) with us.

Latest SIBOR Rates

SIBOR Updates As At

Thursday, Sep. 24, 2020

get the best home loan deal

Help us understand your mortgage requirements, and we will recommend the lowest home loan across 145 packages from 16 banks in Singapore with all your needs checked. Get the best deal at the right time with market trends and insider information. Be the first to know if there's a better mortgage package launching in 3 days' time.

ACCESS RELIABLE VALUATION FIRMS & LAW FIRMS

Through our network of bank panel valuation firms, we provide you the highest bank accepted property valuation in as fast as an hour. Get a peace of mind for your conveyancing through our specially curated partner law firms with the highest efficiency, responsiveness and professionalism.

Highest cash rewards, lowest upfront fee

Maximise your interest savings with preferential legal fees for your new property purchase and cash rewards for a home loan refinance

BE REWARDED

Cash incentives

Get cash rewards based on your loan amount for a home loan refinancing and discounted legal fees for a new property purchase.

Fees Rebates

All banks pay us a standard fee when your mortgage comes through DollarBack Mortgage. We give a portion of those fees back to you, simple as that.

Across Multiple Banks

DollarBack Mortgage cash rewards are offered for any mortgage taken from over 16 banks in Singapore

How it works?

Identify Your Needs

Let us know if you are looking to refinance a home loan, getting a mortgage for your new property purchase or need assistance with an In Principle Approval (IPA). Our mortgage consultants will deep dive to explain and find out if you require specific features like a waiver due to sale, partial redemption without any penalties or a free conversion option. We will also perform Total Debt Servicing Ratio (TDSR) and Mortgage Servicing Ratio (MSR) calculations to let you know the indicative mortgage loan amount you qualify for.

Select the best package

Through our close network with over 16 banks, we get access to over 145 promotional mortgage packages available in the market on a monthly basis. We will explain what the different interest rate packages mean such as a fixed rate and a floating rate (SIBOR, Board Rate & Fixed Deposit Rate (FDR)). 

Our mortgage consultants will help you select the lowest home loans in Singapore by explaining the underlying differences between each housing loan option. A breakdown of monthly instalments and interest costs will be provided together with an overview of the home loan fees applicable.

Submit your application

Once a specific mortgage package is selected, a home loan specialist from the bank (we work with DBS, OCBC, UOB, Maybank, HSBC, Standard Chartered and 10 other banks in Singapore) will be personally assigned to process your home loan application.

At this point, both a DollarBack Mortgage consultant and the bank's home loan specialist will provide consistent updates on the progress of your application. Upon approval, the bank's letter of offer will be explained by the home loan specialist.

Conveyancing process

After the bank's letter of offer has been signed, a partner law firm will contact you directly to explain the legal processes and requirements. Our panel of law firms work with almost all Singapore banks.

Consistent review

If there is a lock in period for your home loan, we will send an update for a review of your interest rate once your lock in period ends.

For BUC properties which do not have a lock in period in the mortgages, we will review your interest rates once TOP of your development is reached and once again at issuance of CSC.

ENJOY THE BENEFITS LIKE OUR VALUED CLIENTS HAVE

Justin Ng
Justin Ng
Jovin is an absolute professional and was very informative throughout my whole loan sourcing process! Will strongly recommend!
Deborah Kay
Deborah Kay
I must have spoken to 15 different mortgage advisors and Jovin at Dollarback Mortgage was by far the most responsive and helpful. He was non-pushy, informed and clear in his communication. Compared to other advisors I spoke to, he gave the best advise regarding fixed vs floating rates, immediately followed up with all the information I requested for and submitted my application as soon as I got my documents to him. As a result, we were able to lock in a very favourable rate, one day before it was taken off the market. Thanks Jovin and Dollarback Mortgage, it was a great experience that I would highly recommend to anyone!
Kia Pang
Kia Pang
Big big thumbs up to Jovin Pendhar. Professional, patient, efficient & effective providing concise info & addressed my concerns & needs adequately. He won me over within minutes with his knowledge, understanding & a good grasp of what he is talking as well as good relationship skills, i.e. not pushy & remained professional (Spoken to a few consultants prior). He has good knowledge & understanding of the contents of the offer letter and how he articulate them across in a concise & precise manner. He walked through the process with adequate instructions & followed up through with regular updates. The products offered are almost the same across the banks, the way he advised & delivered it makes vast difference to the experience. Overall, it is a hassle free & pleasant experience dealing with him. Kudos to Jovin & keep up the excellent service!!
philip lee
philip lee
Jovin help to propose a very attractive refinance package which help me to shorten my repayment period by 10 months! Very good service and professional approach, highly recommended for your housing loan review.
Carmun Toh
Carmun Toh
Thank you Jovin for his patience in explain all the information and clarified client enquiry.
princess joy
princess joy
Very patient and responsible. Thumbs up for great service.
Xing Chew
Xing Chew
Professional, clear advice and smooth process as well as best rates
Ruben Toh
Ruben Toh
Had a good experience dealing with Jovin for my refinancing needs. Knowledgeable and responsive, and offered good value offer.
Ivan Sim
Ivan Sim
I've engaged with a few mortgage brokers for refinancing of my property loans, but this latest one with Dollarback Mortage has been the most pleasant and rewarding experience, especially having Jovin handling my request. He is truly professional and extemely knowledgeable, with no air at all. Always enthusiastic and ready to listen and offer good and sound advice, I have no hesitation at all to put forth my recommendation of Jovin and Dollarback Mortgage to those who need the service!
Johnny Chan
Johnny Chan
Jovin offer professional service of mortgage, he shared a lot of insights of loan. Great user experience, I recommend his service.
Ng Derrick
Ng Derrick
Highly recommended . Jovin is professional, efficient and helpful.
Kannan Kumar
Kannan Kumar
I had liaised with Mr. Jovin for my HDB refinancing loan in last month. He guided me all the way to choose the right bank wiith lower interest and he had transfered the $ as per he committed. He is more knowledgeable, professional and courteous. Thanks Team.
Savantraj C S
Savantraj C S
Jovin was very helpful, patient and explain things well. He helped me to find the best deal and I have no reservations in recommending him to others
Wan Livian
Wan Livian
I was sourcing for banks to refinance my current place and chance upon dollar back website and after reading comments about Jovin, my husband and i decided to engage him. I can only said is a smart decision we had made. Jovin is professional and fast in respond. Everything is fuss free and easy. Give him a call if you need to refinance your house . 👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍👍
lee khow ming
lee khow ming
Assistance and queries were responded promptly. Jovin was very professional in his work, whom assisted in securing good rate for me. On top of that, his company also provides the best cash reward incentive in the market.Overall, amazing experience and would recommend to anyone looking for mortgage loans.
John JJ
John JJ
Jovin provided was very responsive and patient. More importantly he is able to provide very professional and insightful service. Highly recommended!
Jun Yap
Jun Yap
Jovin is very dedicated, responsive & helpful.He is also very patient and he explained the loan process & procedure clearly though we took some time to digest. I will definitely refer my friends & relatives to you. Good job, Jovin !
Magdeline Wong
Magdeline Wong
Jovin responded promptly with my queries regarding mortgage refinancing. I am impressed with his indepth knowledge in this area and happy with his honest and valuable inputs. Very professional indeed!
Sharon Loy
Sharon Loy
Jovin has been very responsive to all the questions I have. It has been a great experience liaising with him. Thanks.
Kailin Toh
Kailin Toh
This is our first time engaging a Mortgage Broker for our refinancing journey. We are glad to have Jovin from Dollarback Mortgage to assist us in the process. Jovin is knowledgeable and is able to explain the various concepts involved in an easy to understand manner. He is also quick to respond for any queries one may have. We highly recommend his service to anyone who is looking into mortgage matters. Cheers!
ashutosh awasthi
ashutosh awasthi
Had a discussion with Jovin on my refinancing needs. Excellent professionalism shown by him. Thanks Jovin.
a K
a K
Great experience with Jovin. Professional and hardworking. He personally came down to my place and had patience to explain each plan to me. I finally signed with him. Would recommend him
Joseph
Joseph
Highly recommended! Jovin is very knowledgeable and was very proactive when handling our mortgage. He was able to provide professional knowledge and was patient to explain the finer details that we were required to know. Definitely a positive experience to have Jovin handle our housing loan matters.
Ron Lee
Ron Lee
Good knowledge on mortgage loan and able to link up well with bank mortgage loan specialist. Provided gd advice on the various type of loans.
SuperDaOne
SuperDaOne
Fast response and most generous rebate for theie refinance packages found online. Good service and highly recommended.
Ahmad Bakar
Ahmad Bakar
I am very pleased and much appreciative to Jovin of Dollarback. He offered me informative advise and even show me the ropes in negotiating with my existing bank for a better deal. And a Trustworthy person. I will definitely reach out to his service in future again!
Abby Cheng
Abby Cheng
Jovin from Dollarback Mortgage is a true professional who has his customers' best interests at heart and who is fully dedicated to serve his customers well. Fully transparent and extremely helpful, we have benefited greatly from his expertise.
Abel Tan
Abel Tan
Awesome and knowledgeable person that will answer your questions directly. Makes wanting to deal with him very easy and will definitely contact him again for my mortgage needs.
Rajiv Mishra
Rajiv Mishra
Jovin was great to explain all finer details of mortgage loan which helped to decide the right package . Thank you Jovin .
Luke Diep
Luke Diep
Was recommended by a friend, first time dealing with DollarBack Mortgage. Very to happy to deal with Jovin. He is very professional and knowledgable.
Zack Chew
Zack Chew
It was my first time purchasing a property and I had limited knowledge and plenty of questions in regard to mortgage loan and various other stuffs. That was when I made an enquiry to Dollarback Mortgage and was contacted by Jovin. Jovin is an extremely helpful and professional individual. He helped me throughout the entire process during that entire couple of weeks - from providing me the list of banks and mortgage packages/rates and clarifying the different benefits of each in detail, to explaining to me some of the mortgage loan contract terms. Due to my busy work schedule, I could only reply to his texts late at night at times, and he would still be replying me attentively. Highly recommend Dollarback Mortgage and Jovin!
clarissa tan
clarissa tan
professional, efficient and helpful. will recommend to our friends!
Stanley Zeng
Stanley Zeng
Jovin was very professional in his job. He shared his recommendations on the best rates across the banks. Even though a package was already selected for the application, midway he proposed a better new package that was just launched. Would definitely recommend him to any one looking for home loans.
Kevin Wo
Kevin Wo
Dollarback Mortgage offer professional and objective advice to customers on best mortgage loans in the market. Friendly and customer centric.
Jim
Jim
Good knowledge on mortgage loan and able to link up well with bank mortgage loan specialist. Provided gd advice on the various type of loans and propose the best plan to suit my needs. Definitely will engage his (Jovin) service again in future!!!
delon huang
delon huang
Awesome advise from Jovin.Thank you
Eve Lim
Eve Lim
Prompt reply and helpful service!
Muhd Nur Azhar
Muhd Nur Azhar
Great advice given by consultant. Website is clear and systematic. Fantastic rewards program.
Sufyan Mikhail Putra Mohd Kamil
Sufyan Mikhail Putra Mohd Kamil
Great service. Will definitely recommend.
Mohammad ilyas Mustafa
Mohammad ilyas Mustafa
Wonderful service, prompt reply, rates unmatched anywhere else. A definite recommend for go to consults
Syaheerah Ismail
Syaheerah Ismail
Queries were responded to promptly. Very professional mortgage Consultants who managed to secure great rates for me which I was not able to do at the banks on my own. Overall, amazing experience and would recommend to anyone looking for mortgage loans. 👍🏻
Harginder Singh
Harginder Singh
Left details on my queries and got a very fast response . The information and layout is great for easy reference.
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