Enjoy PROMO HOME LOAN RATES across 18 banks & get cash rewards!
*Home loan rates displayed below are not openly advertised by banks in Singapore and go through a special approval process - Applicable for new property purchases and home loan refinancing.
eNJOY Rewards Up to $6,300
Lowest Fixed RATES Promo
Promo Period: Up to 28th Jan 2021
Minimum loan amount applies
BANK TYPE | PACKAGE TYPE | YR 1 RATE | REWARDS | SPECIAL FEATURES | |||||
---|---|---|---|---|---|---|---|---|---|
Foreign | 2 Year Fixed | 1.10% | Yes | Yes | |||||
Foreign | 3 Year Fixed | 1.10% | Yes | Yes | |||||
Local / Foreign | 4 Year Fixed | 1.35% | Yes | Yes | |||||
Local / Foreign | 5 Year Fixed | 1.40% | Yes | Yes | |||||
Lowest Floating RATES Promo
Promo Period: Up to 28th Jan 2021
Minimum loan amount applies
BANK TYPE | PACKAGE TYPE | YR 1 RATE | REWARDS | SPECIAL FEATURES | |||||
---|---|---|---|---|---|---|---|---|---|
Foreign | 1M SIBOR | 1.00% | Yes | Yes | |||||
Foreign | 3M SIBOR | 1.00% | Yes | Yes | |||||
Local | 3M SORA | 1.28% | Yes | Yes | |||||
Local / Foreign | Fixed Deposit | 1.00% | Yes | Yes | |||||
We work with over 18 major banks in Singapore, including:

How do we get you the best home loan?
Lowest Promo Home Loan Rates
As we have close working relationships with all major banks in Singapore and have a network of over 50 mortgage bankers, we are constantly updated with promotional mortgage packages not publicly available. Our mortgage consultants strategise to get you the best home loan package with your desired bank.
Special Mortgage Features
Our mortgage consultants ensure flexibility in your mortgage by negotiating with banks to include special conditions for your needs such as:
* Waiver of penalties for early sale of your property
* Making a partial repayment during the lock in period
* A free switch to a different interest rate package
Professional insights At No Cost
Be informed of global and local interest rate movements, and get advice on mortgage interest rate types (fixed or floating) with the lowest risk in the long term. Our consultants analyse macro-economic factors and international interest rate trends to provide a logical and rational recommendation for the best mortgage package for you. Professional advice with zero fees or charges.
Still not sure if we can get the best home loan for your needs?
BE REWARDED
Bank Subsidies Up to $3,000
Enjoy no upfront costs when you refinance your home loan with legal subsidies and rebates so that your interest savings are maximised. Minimum loan amount applies and only for a refinancing.
Additional Cashback Up to $3,300
Get cash rewards and shopping vouchers based on your loan amount for a refinancing or a new property purchase home loan. Cashback Rewards are provided by Dollarback Mortgage and in addition to any Bank Subsidies or Rebates.
Over 18 Banks in Singapore
Enjoy lowest interest rates and customised mortgage packages including cash rewards and subsidies across all major banks in Singapore.
Get Your Lowest Rates & Rewards Now!
save your time with our hassle-free process
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 18 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.
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