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

Bank Subsidies & Rebates

Up to $3,000

Additional Cash Rewards

Up to $3,300

Get Promo Rates Now!

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

Get more rates

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

Get more rates

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?

Read client reviews



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.

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.

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

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

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

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

"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

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

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

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

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

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.

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!

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.

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

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.

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

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!

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!

a Koo

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 Ng

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.

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

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

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.

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!

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.

Next Reviews

Source: Google

Need to speak to a professional mortgage consultant?

Let us give you the peace of mind you deserve and have all your questions answered



Lowest Home Loan Rates SG 2021