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The home loan interest rates in singapore vary from type of loan as well as loan size. Please refer to our rates page for the latest Fixed, Floating and Building under construction rates.  

The best bank for your home loan changes from month to month. that's why we get you the best rates and conditions based on your loan size.

The lowest home loan package may not always be the most optimal for you; especially if you're planning to sell.

Likely! We are seeing that the federal reserve is planning to lower interest rates, however if you're out of loan lock-in period, there will be expensive thereafter rates; rates that are designed to be bad. You may wish to consider refinancing to get promotional rates. 

A mortgage advisor is a professional that helps you get a home loan and refinance your mortgages. 

A good mortgage advisor

have a deep understanding of bank and government regulations, to help you avoid fees by understanding when you are looking to sell your property. Advises you on what rates and terms are favorable in the current market environment based on your current constraints.

Engaging a mortgage advisor saves you time and money.

In Singapore, the mortgage advisors are renumerated by referral fees to the bank as a third party. Banks either pay the bankers or mortgage brokers for a successful case. 

Difference is, a mortgage broker has access to all the banks in Singapore and does not take a salary from the bank; being able to recommend the rates that are most beneficial to you.

Bankers are renumerated by the profit the banks make, whereas the mortgage broker gets a flat fee, which means the priority is the lowest rate.

The Lender (the bank)

The bank usually pays the mortgage broker or advisor a standard fee; a small percentage of the loan size as compensation for bringing the client to the bank. The mortgage advisors do not get a basic salary from the lender

You should refinance in order to get the best rates across the entire market. While refinancing, you'd also be able to extend your loan tenure, increase loan size, restructure your mortgage, etc... 

There are many things to consider so let us help, speak with us today!

After refinancing, you can consider repricing in order to avoid clawbacks. However, consult us first, we should have better rates; sometimes the better rates may be more profitable in spite of the clawbacks. 

Yes you are able to use your CPF-OA to pay for your monthly instalments, feel free to do so especially if you have better use for the money, i.e investments etc. 

Using your CPF to pay for your monthly instalments will help you with your cashflow. Do note that eventually, when the CPF-OA charges accrued interest, it'd be paid back to your CPF-OA

If interest rates are higher than the CPF Rates it might be worth entertaining that thought.

Especially if you're close to 55 years old.

After 55 year old your CPF becomes a megabank. You'll be able to withdraw your CPF to make a voluntary housing refund, this is exceptionally useful when gearing up for portfolio allocation.

A small country like Singapore, we are very clearly price takers. And there has been a 90+% correlation between SORA and EFFR based on our 19 year data study from 2005-2024

We take cue from the monetary policy of Singapore and the US Federal Reserve meetings

It helps that the US Federal Reserve release economic projections that help guide us to helping you make the best decisions on which rates to take in for your mortgage.

Do keep in mind, that the economic projection is the current plan, and plans do change. We make our recommendations based on many factors that affect the SORA rates in Singapore

When you're taking up a mortgage, you are borrowing at very cheap rates due to a few factors. 

1) you are borrowing based on your asset
2) you are borrowing for a long period of time
3) your mortgage is the only loan that can be paid back with CPF-OA

Due to those reasons, the interest rate is low because of the low default rates and the extended duration.

Inflation is the decrease in purchasing power, reflected in the general increase of price of goods and services over time.

Why this is important
As buying power erodes, when you're taking up a mortgage, you pay for interest rates; not inflation.

Which is why real interest rates when it comes to mortgage is historically almost 0 or even negative at times!

if you are borrowing below inflation rates, your mortgage works in your favor, by increasing your buying power over time.

Real interest rates = interest rates - inflation