Lowest mortgage rates across all banks in SG.
- Best rates from 10+ banks including secret not to be published rates
- Extensive interest rate research to help you choose fixed or float
- Pick the right terms, conditions and structure to get the best package
| 300,000 | 1.55% | 2.05% |
| 500,000 | 1.45% | 1.50% |
| 700,000 | 1.40% | 1.50% |
| 1,000,000 | 1.35% | 1.40% |
SORA: 1.33 | 1M SORA : 1.15 | 3M SORA : 1.15
Updated 18/01/2026
| 300,000 | +0.4% | +0.4% |
| 500,000 | +0.3% | +0.3% |
| 1,000,000 | +0.25% | +0.25% |
| 2,000,000 | +0.25% | +0.25% |
SORA: 1.33 | 1M SORA : 1.15 | 3M SORA : 1.15
Updated 18/01/2026
| 500,000 | +0.3% | +0.3% |
| 800,000 | +0.28% | +0.28% |
| 1,000,000 | +0.25% | +0.25% |
SORA: 1.14 | 1M SORA : 1.23 | 3M SORA : 1.33
Updated 31/10/2025
Avoid nasty thereafter rates
Avoid thereafter rates
Mortgage Rates usually increase after lock-in ends.
Do your best to avoid thereafter rates, they are designed to penalize people who do not reprice or refinance
Thereafter rates are usually only useful upon exit
There are many exemptions for owner occupied properties.
If you're holding onto a rented property. You'll have to meet income conditions or pay down the loan by 3%
Fixed Package (2yrs)
Year 1 - 2.4%
Year 2 - 2.4%Â
Thereafter - 3M SORA + 1%.
Floating Package (2yrs)
Year 1 - 3M SORA + 0.5%
Year 2 - 3M SORA + 0.5%Â
Thereafter - 3M SORA + 1%.
Fixed or floating rates?
- SORA rates are highly correlated to the US Fed Funds rate
- Banks largely base your interest rates on the their forecasted SORA rates in Singapore
- By predicting where SORA Rates are headed, we can choose the cheaper rates.
Based on the FOMC Projections and incoming market data, we will be able to help our clients make a more informed decision on which types of interest rates to consider.
We go to great lengths to help you decide what is the best rate type to consider when it comes to picking fixed or floating rates.
(not to be taken as financial advice; get in touch for your highly personalized free consultation.)