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Compare the Lowest Home Loan Rates in Singapore 2021

New Home Loan

* Get Vouchers up to $3,300
* Discounted LEGAL Fees

Refinance Loan

* Cash rewards up to $3,300
* ZERO upfront fees

As one of the best mortgage broker in Singapore, our mortgage specialists provide professional advisory and help you with a comparison of the lowest housing loan rates in Singapore. We cover all aspects from buying your dream HDB home or private condo, to refinancing your home loans. Enjoy cash rewards, vouchers and special features for your mortgage and maximise your savings.

Banks with best mortgage Rates in singapore

As of 1st June, 2021

Fixed Rates vs Floating Rates

BankInterest RatePackageRate Type
Standard Chartered Home Loan0.86%3M SORAFloating
DBS Home Loan0.93%3M SORAFloating
OCBC Home Loan1.03%1M SORAFloating
Maybank Home Loan1.06%3M SORAFloating
OCBC Home Loan1.10%2 Yr FixedFixed
Standard Chartered Home Loan1.12% 3 Yr FixedFixed
DBS Home Loan1.40%5 Yr FixedFixed
get More rates...

Latest SORA RATES

SIBOR Updates As At

Monday, Jun. 21, 2021

How to apply for a bank home loan in Singapore?

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 home loan

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 best housing loans in Singapore with the lowest interest rates 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 mortgage 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.

No tricks, no gimmicks. up to $3,300 in cash rewards from us to you!

Let's go

Compare the Best fixed & floating Rate Home loans

Gain access to a comparison of the lowest and best fixed rate packages, SIBOR home loans, Fixed Deposit rate (FHR) loans, SORA home loans and Board Rate packages. Our mortgage consultants match your requirements such as having a no lock in period loan or waiver of any penalties according to your specific needs. Be the first to know if there's a better mortgage package launching in 3 days' time.

Get RELIABLE bank indicative Property VALUATIONs in 1 hour

Through our network of bank panel valuation firms, we provide you the highest bank accepted property valuation in as fast as an hour. Let us know if you are looking for property valuations from DBS, UOB, OCBC or any of the 15 other banks in Singapore and we will get it done.

Highest cash rewards, lowest upfront fee

Maximise your interest savings with preferential legal fees for your new property purchase and cash rewards for a refinance of your HDB or private property housing loans from major banks in Singapore.

BE REWARDED

$3,300 Cash & Vouchers

Enjoy cash rewards based on your loan amount for a home loan refinancing and discounted legal fees as well as shopping vouchers for a new property purchase

$3,500 Fees Rebates

Unlock maximum legal fee and valuation fee subsidies provided by banks to help reduce your upfront home loan fees

Across Multiple Banks

DollarBack Mortgage cash rewards are offered for any mortgage loan taken from over 21 banks in Singapore

our clients. our pride - Google verified reviews

Jeffrey Choo
Jeffrey Choo
Jovin was professional, detailed, and attentive. For a homeowner taking a home loan package for the very first time, Jovin was very patient in explaining the details of the various home loan packages available and key considerations. He was able to acutely understand my requirements and offer me the right advice. I would definitely recommend Jovin and Dollarback Mortgage advisors to my family and friends.
Daphne Quek
Daphne Quek
Thank you Dollarback Mortgage especially Mr Jovin Pendhar for his professional advice on the whole mortgage process, making it a breeze! He patiently explained the whole procedure and things that we would take note before committing to my property. Strongly recommend Mr Jovin mortgage consultant for his professional advise in various mortgage loan packages available. Thank you Mr Jovin!
Munirah Ismail
Munirah Ismail
Jo is very professional and patient in answering all of my queries. He strives to get the best mortgage interest rate for us which we truly appreciate. He’s also very responsive and will ensure that any document we need is promptly sent. I highly recommend Dollarback Mortgage to anyone looking for good value and professional service!
Josiah Tan
Josiah Tan
We found out about DollarBack Mortgage via Google and got linked up with Jovin Pendhar. He was extremely helpful and responsive, and took time to understand our unique circumstances (we are living overseas at the moment) and suggest the best solutions. He went beyond just discussing the mortgage and also helped us through the general conveyancing process. Would recommend!
Annie Chong
Annie Chong
It’s a great pleasure to deal with Mr. Jovin of M/s Dollarback Mortgage. He is professional and responsive towards the handling of my case. He’s the guy you should reach out to for advice for any property financing related details you may require in future!
Willy Yap
Willy Yap
I had good experience dealing with Jovin. He is responsive to queries and constantly keep me updated on application status. Glad to have him as my Mortage consultant. 🙂
Chye Lee Ng
Chye Lee Ng
Jovin is definitely your go to person if you need any advice on mortgages. An absolute master in his field, strongly recommend him if you need the best home loans in town!
Derek Tan
Derek Tan
From the very first text I sent to Jovin, he has been very professional and responsive. I will recommend his services without reservation to anyone who need home loan advice.
Lionel Lin
Lionel Lin
Jovin is extremely professional, knowledgeable and dedicated on follow up with the bank/law firm throughout the entire mortgage loan process. Clear and concise update were provided at each stage of the process.Would definitely recommend his service to our friends & family! Thumbs up! 👍🏻
Lester Tan
Lester Tan
Jovin has been most professional and hands-on, respectful of time as well.Whole experience has been great, beginning with an informative introduction about how mortgages and various rates work, down to linking up all the resources one need.Not fixated and merely keen to settle on a quick deal, but is genuine in seeking out the best package he can get/ negotiate across the board.Highly recommended!
Krishin Nandwani
Krishin Nandwani
Was attended to by Jovin on the day of enquiry (a Sunday!). He was extremely professional and meticulous in advising me as to how the whole process worked and gave appropriate advise to cater to my needs. He is very quick to answer questions and provides an Excellent service. He gives the impression of an experienced agent and I will work with him again. Highly recommend.
John I
John I
Was attended to by Jovin whom i found to be professional, knowledgeable, patient and extremely polite. Will definetly refer friends and family to him. Thanks Jovin for all the help.
Myelsa Tay
Myelsa Tay
I was referred Jovin (Sadiq) by my SIL and Jovin has been really helpful in my entire refinancing application with the banks, despite my case being not as straightaway as others. He's very patient, and always there to answer all my queries, even late into the night (because I only have spare time to review the documents at night). He goes the extra mile by updating me of the progress of the application, thank you so much! Will definitely recommend Jovin (Sadiq) to my friends looking to refi!
Johan Ling
Johan Ling
Was served by Jovin and he is very patient and professional in guiding and providing insights on the different packages in the market. Overall it was a pleasant experience. Thank you!
Shawn Ho
Shawn Ho
I used Jovin from Dollarback recently, and found him very professional and helpful. He was responsive throughout the process, and also suggested solutions/workarounds when I needed them. He was also nice enough to offer a better solution for me even though it may not have been the best from his POV - customer first indeed! Thumbs up for Dollarback, you should consider them as you'd be getting better personalised service as an up and coming player
Roy Tan
Roy Tan
I was served by Jovin from Dollarback Mortgage and I'm very impressed & satisfied with the service & advice received . Totally not pushy at all, responsive and answered many questions from me patiently . 100% for customer service and sincerity.Jovin will give you advice best suited for your scenario , and strategize a plan together to realized best savings from your mortgage years down the road.On top of rebates given from the bank for refinancing, Dollarback Mortgage also gave additional rebates to me (depending on your loan amount).Initially, I was a little skeptical on hiring a mortgage broker to assist with my mortgage refinancing.However, I was proven wrong as mortgage broker provides advantage1) Mortgage broker can assist us to better negotiate better deals (interest rates, rebates) from the banks. Calling in ourselves to the bank, and negotiate for a better deal might be an uphill task for some given the fact we have less bargaining power as individual consumer or our loan amount is small.Chances are if you loan amount is not very high, the bank will only give you the package as advertised on the website . Going through a mortgage broker you can possibly earn more rebate or a better interest rate (depending on the negotiation) .2) Mortgage Broker does not act for any bank and does not have to sell bank package if it's not the best package in the market. Unfortunately, if you call in to the bank, understandably the bank officer can only promote his/her loan packages, even it is not the best in the market.Thank you Jovin! I will recommend you to my friends & contacts. Keep up the good work !
Anita Jadhav
Anita Jadhav
I highly appreciate the professional services rendered by Jovin Pandhar. He guided us, helped us to take right decision. He was very responsive. I would like to work with Jovin and his company in future.
Belinda Lee
Belinda Lee
Jovin is very proactive and good in recommending the best mortage deal for me. And provide regular updates to me during the entire approval process including giving counter proposal when my loan was rejected. Thumbs up to Jovin for his excellent service!
Jasmine Soh
Jasmine Soh
Jovin was really good in explaining the bank loans available to us and answering our many questions around loan T&Cs as this was our first mortgage loan application. He’s always quick to reply and open to share his insights on soft factors to consider with each bank such as response time, likelihood of waivers, etc that comes with experience. Though we eventually did not proceed with the BUC bank loan due to uncertainties on impact on our loan given the SIBOR to SORA transition, Jovin was very understanding.
Darrell Chan
Darrell Chan
For our first property purchase we were unsure of how to proceed with obtaining a favourable bank loan and was referred to Jovin and DollarBack Mortgage by a friendJovin responded promptly and proceeded to give a detailed explanation on the various banks and their financing packages. He was also very patient with our queries and recommended lawyers that we could useEverything was done smoothly and professionally and we highly recommend his service. We ourselves would definitely engage Jovin again for our future re-financing needs!
Maybelline Ang
Maybelline Ang
It was our first experience taking up bank mortgage loan Jovin was very generous in sharing how mortgage loans work. A chat with him was like a 101 Introduction into Mortgage Loans and this provided us a very good overview on how each bank's rates work, what the different interest rate package really means ie fixed rate vs floating rate etc; which really help us better identify what sort of interest rate package suits our needs most.We had spoken to three mortgage brokers in total but chose Dollarback in the end as they were the most professional. Dollarback's main edge was the value added knowledge that Jovin provides to his clients whereas the other brokers were simply selling me packages.Jovin was never pushy, very professional, and prompt in responding even though he had a newborn to take care of. Strongly recommend to anyone who wants a professional advice!
Xante Koh
Xante Koh
Had my doubts about engaging a mortgage broker versus going direct to the banks due to prior poor experience with loan comparison sites. In the end, it was the right decision to enlist Jovin’s help. Jovin was very professional in outlining my options and managed to unravel the complications of getting a construction loan for our place which no banker was able to guide me properly on. He’s really responsive and patient with my queries. We got all the paperwork sorted out in record speed and we got a very attractive rate too. High recommend you speak to Jovin!
Priscilla Tan
Priscilla Tan
Dollarback Mortgage was great in getting the best home loan rates in Singapore for my property purchase. Excellent advice and very responsive to all my queries. Very happy to have had Jovin get our mortgage and conveyancing all done. Thank you!
Kim Derek
Kim Derek
Honestly I was very skeptical initially about using a brokerage as it is not very common in Singapore; and there are other more marketed/advertised mortgage firm too.However Jovin from DollarBack was extremely patient in:1st answering all my skeptic questions and questioning his role and how going through him will be better or not compared to approaching a bank directly. He explained all of them in a very fair manner , very logical and yet not pushy at all.2nd explaining how the process will be like very clearly and understanding my requirements attentively. This includes sharing step by step procedures etc.3rd following up with the law firms and the banks, ensuring a complete handshake and even after that able to provide a few nudges to ensure things are done in a speedy mannerMy first time taking a loan, first time engaging a broker and Jovin really made a good impression.Will definitely recommend Jovin from DollarBack Mortgage to anyone who is looking for the above 3 pointers in your search for a mortgage loan!Sincerely,Derek
Eugene Chua
Eugene Chua
Dollarback has very competitive home loan packages with good cash rewards. Jovin, our personal mortgage consultant is very responsive and knowledgable. He also gave sound advice. The turnover to obtain a IPA and eventually a letter of offer from bank was also very short. It was an excellent experience having Dollarback and Jovin handled my home loan. Highly recommended!
Rachel Koh
Rachel Koh
Did not engage them as our loan issue was super complicated. Nevertheless, Jovin provided lots of suggestions to deal with all the problems along the way, making things a lot easier. Highly recommended!
K K
K K
When I first saw these reviews I was a little skeptical as it's all 5 stars. But really it is what it is! Jovin was responsive and prompt from the start, wasn't pushy like I was afraid mortgage brokers would be. Anyway, all in all it was hassle free/ stress free! Thanks!
Ang Joseph
Ang Joseph
Excellent service provide by Jovin! He was patient, knowledgeable and helpful. Also responded very promptly and did his best to answer my queries within the shortest possible time. Will definitely recommend him to my friends!
Elvin Too
Elvin Too
Jovin from Dollarback Mortgage was friendly, responsive and knowledgeable. He sourced the best mortgage refinancing package for me and gave me solid advice on how best to proceed. It was reassuring to know that he was on my side negotiating with the banks. Very clear communicator. Would highly recommend.
Tan Claire
Tan Claire
Came to DollarBack Mortgage and got in touch with Jovin for my home loan refinancing. He gave me a shortlist of the best refinance home loans in the market with special features that were available and the rewards enjoyed all within 30 mins.The insights and analysis provided was very clear and explained in an expert manner. The breakdown provided of the different packages showed my monthly and yearly savings by refinancing and made it easy to decide which refinancing package would best suit my needs.Everything was handled by Jovin and DollarBack Mortgage including the conveyancing law firm so the entire process was smooth.Highly highly recommend DollarBack Mortgage for the good service and advice for the best home loans in Singapore.
Tan Px
Tan Px
Refinancing with DollarBack Mortgage was an easy and professional experience.Jovin was very responsive and explained all details and the packages comparison clearly.Thank you.
Robin Hu
Robin Hu
Was going directly to banks to refinance my home loan and had some requirements for my mortgage due to my property and had issues with getting my desired mortgage.A friend recommended me to DollarBack Mortgage and specifically Jovin. Dropped him a text and got a reply almost immediately.Within an hour he got 10 banks which I could refinance over to and the next day we had decided on the best refinancing package for my needs.Everything was done smoothly and professionally plus the cash rewards on top of the bank subsidies are a great bonus!
Daryl Yuen
Daryl Yuen
"Was deciding between a decoupling or a refinancing and Jovin from Dollarback provided a very clear cost benefit comparison and recommended a solution to ensure my financing needs were met.Secured an attractive refinance package decisively without having to pay any upfront fees plus the cash reward also further increased my interest savings.I was completely at ease knowing that my mortgage was managed well with Jovin ensuring that everything went smoothly with both the bank and law firm."Have since introduced others to Jovin for his professional service. Thumbs up 👍
Weixian Sim
Weixian Sim
Was looking to reduce my interest payments for my mortgage and got in touch with Jovin from DollarBack Mortgage. Even though there was still a penalty to be paid with our existing bank, Jovin explained to us the strategy on how we can enjoy interest savings in the longer term by refinancing even with the penalty to be paid. The forecast and analysis was super accurate and fortunately we locked in the best package without having to pay any upfront fees. It is quite amazing that today, our home loan interest rate is only at 0.60%! Without a doubt, every property owner needs to speak to Dollarback Mortgage for their home loans.
Hean LiTing
Hean LiTing
Got in touch with Jovin from DollarBack Mortgage from a recommendation for my home loan refinance. Excellent advice and insights provided on the best home loan package for my needs. Interesting analysis on the interest rate environment and forecast. Managed to refinance with no upfront costs and enjoyed the best rewards! I highly recommend DollarBack Mortgage!"
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!!
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