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Compare the Best 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 Nov 2021

Fixed Rates vs Floating Rates

Bank Interest Rate Package Rate Type
DBS Home Loan 0.83% 3M SORA Floating
Standard Chartered Home Loan 0.83% 3M SORA Floating
Maybank Home Loan 0.83% 3M SORA Floating
OCBC Home Loan 0.98% 1M SORA Floating
Citibank Home Loan 1.05% 2 Yr Fixed Fixed
Standard Chartered Home Loan 1.10% 3 Yr Fixed Fixed
DBS Home Loan 1.40% 5 Yr Fixed Fixed
Get Lower rates...

Latest SORA RATES

SIBOR Updates As At

Sunday, Nov. 28, 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!

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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

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Need professional advice?

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