Standard Chartered Home Loan Rates Singapore 2026
Get the latest Standard Chartered home loan promo rates in Singapore. Through DollarBack Mortgage, you can access Standard Chartered packages that include rates not publicly listed on the bank's website, alongside up to $5,800 in combined subsidies and cash rewards.
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Overview of Standard Chartered Home Loan Rates In Singapore
Latest Standard Chartered Home Loan Rates
Standard Chartered Floating Rate Home Loans
Standard Chartered BUC Home Loans
Standard Chartered Refinancing Home Loan Rates
Standard Chartered Home Loan Features and Benefits
Pros and Cons of Standard Chartered Home Loans
Standard Chartered Home Loan Eligibility and Required Documents
Is a Standard Chartered Home Loan Right for You?
Why Use DollarBack Mortgage for your Standard Chartered Home Loan?
How To Apply For A Standard Chartered Home Loan With Us
Client Reviews
Frequently Asked Questions
Related Services
Latest Standard Chartered Home Loan Rates
| Loan Category | Package | Peg/Type | Lock-in | Best For |
|---|---|---|---|---|
| Floating (completed) | SORA-Pegged Package (without MortgageOne) | 3M/1M Compounded SORA | Varies | Borrowers wanting a floating SORA-pegged loan |
| Fixed (completed) | SC Fixed-Rate Package (2–3 yrs) | Fixed → floating | 2 years / 3 years | Borrowers wanting a fixed rate loan |
| BUC | BUC / New-Launch Financing | 1M/3M SORA | [Nil] | For building under construction only |
Standard Chartered floating rate home loans
| Package | Benchmark | Spread | Reset Frequency | Lock-in | Remarks |
|---|---|---|---|---|---|
| SORA-Pegged Package | 3M/1M Compounded SORA | Check with a Dollarback Mortgage specialist | Quarterly (3M) or monthly (1M), per peg chosen | Varies | Lower rates available depending on loan amount |
| MortgageOne Loan (floating option) | 1M SORA | Check with a Dollarback Mortgage specialist | Monthly | Varies | Lower rates available depending on loan amount |
| MortgageOne Loan (floating option) | 3M SORA | Check with a Dollarback Mortgage specialist | Quarterly | Varies | Lower rates available depending on loan amount |
For completed properties, you can choose from either a 1M SORA or 3M SORA floating rate package with Standard Chartered.
Additionally, SCB offers a MortgageOne home loan package for their SORA rates that allows borrowers to offset the monthly interest charged on their deposits with the loan interest. Any surplus interest earned will be used to reduce the outstanding loan principal.
*There are lower rates available which we are unable to display, do contact our mortgage consultants for further details*
MortgageOne is a separate offset-style package where the balance in a linked Standard Chartered deposit account earns interest at the mortgage rate, which reduces the net interest charged on your outstanding loan. For borrowers who hold significant liquid savings, MortgageOne can reduce total interest paid more effectively than a lower headline rate alone.
Standard Chartered BUC (Building Under Construction) Home Loans
| Package | Peg | Mechanism | Remarks |
|---|---|---|---|
| BUC / New-Launch Financing | 1-Month or 3-Month Compounded SORA | Progressive/staged drawdown against construction milestones | Lower rates available depending on loan amount |
If you are purchasing a property still under construction like a new launch condo development, you will have to choose between two floating rate home loans pegged to the 1M SORA or 3M SORA rate.
*There are lower rates available which we are unable to display, do contact our mortgage consultants for further details*
During the progressive payment period, interest is charged only on the amount disbursed to the developer. This keeps monthly costs lower during the construction phase, and the SORA-pegged structure means borrowers automatically benefit from rate decreases during that window without needing to reprice.
Standard Chartered refinancing home loan rates
Standard Chartered offers a comprehensive range of home loan refinancing packages with attractive fixed and floating interest rates. With a priority banking relationship or a fresh funds deposit of SGD 200k, enjoy a further discount on their home loan rates.
*There are lower rates available which we are unable to display, do contact our mortgage consultants for further details*
Standard Chartered home loan features and benefits
MortgageOne interest-offset account
MortgageOne is Standard Chartered’s offset mortgage product. The balance in a linked Standard Chartered deposit account earns interest at the mortgage rate, and that interest offsets the mortgage interest charged on your outstanding loan. If you have $200,000 in your linked deposit account and an outstanding loan of $800,000 at 1.8% p.a., the net effect is that you pay interest on $600,000 rather than $800,000 for that period. The deposit remains accessible (it is not locked into the mortgage) so MortgageOne gives the interest-saving benefit of paying down principal without giving up liquidity.
Subsidies for both legal fees and valuation fees
Standard Chartered is one of a small number of banks in Singapore that covers both legal fees and valuation fees for refinancing cases. Most banks offer one or the other, typically a cash rebate for legal fees, with the borrower absorbing valuation costs separately. Standard Chartered’s dual subsidy structure makes it particularly competitive on a total-cost basis for refinancing, especially for private property loans where both fees are highest.
Priority Banking rate discounts
Standard Chartered Priority Banking customers, or borrowers who make a qualifying fresh-funds deposit of $200,000 or more with the bank, may access mortgage rate discounts not available to standard applicants. The discount typically applies to floating spread packages.
1M SORA floating option
Unlike most Singapore banks that offer only 3M SORA-pegged floating packages, Standard Chartered also offers packages pegged to 1M SORA. This means the rate reprices monthly rather than quarterly, which allows borrowers to benefit from rate decreases more quickly. In a falling rate environment, 1M SORA packages can track downward faster than 3M SORA, though the trade-off is that they also move up more quickly if rates rise.
UOB One Account integration
Borrowers who credit their salary to UOB and meet qualifying card spend thresholds can earn bonus interest on their UOB One Account savings. Unlike DBS Multiplier, home loan instalments are not a standalone qualifying category for UOB One, the bonus interest mechanism depends primarily on salary credit and card spend.
Pros and cons of Standard Chartered home loans
|
Pros |
Cons |
|---|---|
|
MortgageOne offset account can substantially reduce net interest paid for borrowers who hold significant liquid savings, without requiring those funds to be locked into the mortgage. |
MortgageOne’s offset benefit is most powerful for borrowers with large liquid savings. Borrowers without substantial cash reserves gain proportionally less from the offset feature, and a lower headline rate at another bank may be more cost-effective for them. |
|
Subsidies for both legal fees and valuation fees for refinancing, one of the most complete fee-coverage packages among Singapore banks. Priority Banking rate discounts for qualifying customers, which can make Standard Chartered’s effective rate highly competitive. |
Priority Banking rate discounts require meeting qualifying balance or deposit thresholds. Standard applicants without a Priority Banking relationship do not access the same pricing. |
|
1M SORA floating option responds to rate decreases more quickly than 3M SORA-pegged alternatives. |
Standard fixed rates for non-Priority Banking applicants are sometimes slightly higher than the local Big 3 at equivalent tenures. |
Standard Chartered home loan eligibility and required documents
TDSR and MSR
All Standard Chartered bank home loans are subject to the Total Debt Servicing Ratio (TDSR) framework set by MAS. Your total monthly debt obligations, including the new home loan, cannot exceed 55% of your gross monthly income. For HDB flat purchases financed with a bank loan, the Mortgage Servicing Ratio (MSR) also applies — your monthly home loan repayment cannot exceed 30% of your gross monthly income.
Loan-to-Value (LTV)
For borrowers with no outstanding home loans, LTV is up to 75% of the property’s purchase price or valuation, whichever is lower. If you already have an outstanding home loan, LTV limits are lower. A DollarBack consultant can calculate your exact LTV position based on your circumstances and advise on whether a MortgageOne or standard package makes more sense at your loan size.
Required documents
Standard documents for a Standard Chartered home loan application:
- NRIC (or passport and employment pass for non-citizens)
- Latest 3 months’ payslips
- CPF contribution history for the past 12 months
- Latest IRAS Notice of Assessment
- Option to Purchase (OTP) or Sale and Purchase Agreement
- Statements for all existing credit facilities
Is a Standard Chartered home loan right for you?
Standard Chartered does not suit every borrower equally. Here are the profiles where it tends to be a strong fit.
Borrowers with significant liquid savings
MortgageOne is at its most powerful when a borrower holds meaningful accessible savings ($100,000 or more) in a linked Standard Chartered deposit account. Rather than paying down the principal and losing access to those funds, MortgageOne lets the savings work against the interest cost while remaining fully withdrawable. For borrowers who hold substantial cash reserves and do not want to lock them into the mortgage, MortgageOne can reduce total interest paid over the tenure more effectively than a lower headline rate at another bank.
Private property refinancers
Standard Chartered’s dual subsidy structure — covering both legal fees and valuation fees — makes it particularly competitive for private property refinancing, where upfront costs are highest. Combined with DollarBack’s $3,300 cash rewards, total refinancing costs can be substantially reduced or eliminated. Refinancers with larger loan amounts who also qualify for Priority Banking pricing may find Standard Chartered significantly more competitive than its standard rate table suggests.
Priority Banking customers
Borrowers who meet Standard Chartered’s Priority Banking thresholds may access mortgage rate discounts that bring Standard Chartered’s effective rate well into line with the local Big 3. A DollarBack consultant can confirm current Priority Banking eligibility criteria and what rate is achievable for your profile.
Why use DollarBack Mortgage for your Standard Chartered home loan?
Free service
DollarBack Mortgage’s service costs you nothing. Banks pay brokers a standard referral fee — the same fee structure applies whether you use a broker or walk into a Standard Chartered branch and speak to a bank-employed mortgage specialist. Your loan rate is not affected by using a broker. In many cases the rates we access through Standard Chartered include deviated packages not visible on the bank’s website.
Access to unpublished rates
Standard Chartered maintains rate packages that are lower than those displayed publicly, available only through the broker channel. This includes deviated floating spreads and in some cases fixed-rate packages at better terms than the standard table. Our consultants know what is currently available and present it alongside Priority Banking pricing so you can compare the full picture.
Comparison across 16 banks
Before we recommend Standard Chartered, we compare it against all 16 banks we work with. MortgageOne is a genuinely distinctive product, but whether it is right for you depends on how much liquid savings you hold and whether the offset benefit outweighs the rate difference against other banks. We do that calculation for you before making any recommendation.
How To Apply For A Standard Chartered Home Loan With Us
Consultation and assessment
A DollarBack mortgage consultant reviews your financial position, property type, loan requirement, and savings profile. We calculate your TDSR and MSR where applicable, confirm your LTV, and assess whether MortgageOne or a standard package better fits your situation. We also run a cross-bank comparison so you can see how Standard Chartered stacks up against alternatives before committing.
Prepare and submit documents
We shortlist the right Standard Chartered package with you, then help prepare your application. You will need: NRIC, 3 months' payslips, 12-month CPF contribution history, IRAS Notice of Assessment, Option to Purchase or Sale and Purchase Agreement, and statements for all existing credit facilities. For Priority Banking applications, additional documentation on assets or deposits may be required. We submit to an assigned Standard Chartered banker and provide status updates every two days.
Sign Your Letter of Offer After Approval
Once Standard Chartered approves your application (typically within 7 to 21 days from complete submission), a Letter of Offer is issued. We arrange a call to walk through the terms before you accept. After acceptance, your assigned DollarBack consultant remains available through the conveyancing period for any follow-up questions.
Client reviews
Frequently Asked Questions
What is Standard Chartered MortgageOne?
MortgageOne is Standard Chartered’s interest-offset mortgage product. The balance in a linked Standard Chartered deposit account earns interest at the mortgage rate, which offsets the interest charged on your outstanding home loan. The deposit stays fully accessible — it is not locked in. This means borrowers with significant liquid savings can reduce their net interest cost without surrendering access to those funds. The offset benefit scales with deposit size and is most impactful for borrowers holding $100,000 or more.
Is a Standard Chartered fixed rate or floating loan better?
Fixed rates give payment certainty for the lock-in period, which is useful if you want to budget precisely or expect rates to rise. Floating packages pegged to 1M or 3M SORA move with the market — in a declining rate environment, as seen in 2025 to 2026, floating rates have generally tracked lower. Standard Chartered’s 1M SORA option responds to rate movements more quickly than 3M SORA. A DollarBack consultant can model both scenarios for your loan size and current rate outlook.
How much downpayment do I need for a Standard Chartered home loan?
For HDB flats and private property financed with a Standard Chartered bank loan, the minimum downpayment is 25% of the purchase price or valuation, whichever is lower. At least 5% must be paid in cash. The remaining 20% can be paid from your CPF Ordinary Account.
What is Standard Chartered's Priority Banking rate discount?
Standard Chartered Priority Banking customers, or borrowers who place a qualifying fresh-funds deposit of $200,000 or more with the bank, may be eligible for mortgage rate discounts not available to standard applicants. The discount typically applies to floating spread packages and can make Standard Chartered meaningfully more competitive against the local Big 3. A DollarBack consultant can confirm current Priority Banking eligibility criteria and what rate is achievable for your profile.
Is DollarBack Mortgage's service free?
Yes, completely. Banks pay mortgage brokers a standard referral fee as part of their normal distribution cost. The same fee structure applies whether you use a broker or walk into the branch directly. Your loan rate is not higher because you used a broker. The DollarBack cash rewards you receive are separate from and additional to Standard Chartered’s own promotions.
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