Best Home Loans

Updated Jul 2024.

Compare rates instantly across 12 banks!

Enjoy subsidies up to $2,800 (for refinancing) + HIGHEST bonus cash vouchers (for both new loan & refinancing) when you get a home loan through us!

Compare Best Rates

4 Year Fixed

First Year Interest

3.75%

Fixed

Second Year Interest

3.75%

Fixed

4 years lock-in

Minimum $100,000

Features

(Minimum loan amount requirement applies)

Year 1: 3.75% Fixed

Year 2: 3.75% Fixed

Year 3: 3.75% Fixed

Year 4: 3.75% Fixed

Thereafter: 3M SORA + 1.00%

– One free conversion after lock in period

Cash rebate for refinancing only

Private loan amount above 500K – $2,000

Private loan amount above 1.0M – $2,500

Private loan amount above 1.5M – $2,800

HDB loan amount above 250K – $2,000

5 Year Fixed

First Year Interest

3.75%

Fixed

Second Year Interest

3.75%

Fixed

5 years lock-in

Minimum $100,000

Features

(Minimum loan amount requirement applies)

Year 1: 3.75% Fixed

Year 2: 3.75% Fixed

Year 3: 3.75% Fixed

Year 4: 3.75% Fixed

Year 5: 3.75% Fixed

Thereafter: 3M SORA + 1.00%

– One free conversion after 36 months

Cash rebate for refinancing only

Private loan amount above 500K – $2,000

Private loan amount above 1.0M – $2,500

Private loan amount above 1.5M – $2,800

HDB loan amount above 250K – $2,000

2 Year Fixed (BUC) (Private)

First Year Interest

3.80%

Fixed

Second Year Interest

3.50%

Fixed

2 years lock-in

Minimum $500,000

Features

(Minimum loan amount requirement applies)

Year 1: 3.80% Fixed

Year 2: 3.50% Fixed

Year 3: 3M SORA + 0.70%

Thereafter: 3M SORA + 1.00%

– Interest rate commencement from the date of first disbursement or 6 month from the date of LO whichever earlier

– One free conversion within 3 months from the expiry of lock in period

Fixed Deposit Linked Rate

First Year Interest

3.95%

DBS FHR6

+

1.05%

Second Year Interest

3.95%

DBS FHR6

+

1.05%

0 years lock-in

Minimum $700,000

Features

(Minimum loan amount requirement applies)

Year 1: FHR6 + 1.05%

Year 2: FHR6 + 1.05%

Year 3: FHR6 + 1.05%

Thereafter: FHR6 + 1.05%

– Two free conversions valid from 1st loan disbursememt to 6 months after TOP

– Waiver of cancellation fee due to sale

1-Month SORA (Private)

First Year Interest

3.99%

1M SORA

+

0.28%

Second Year Interest

4.19%

1M SORA

+

0.48%

0 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.28%

Year 2: 1M SORA + 0.48%

Year 3: 1M SORA + 0.58%

Thereafter: 1M SORA + 1.00%

– One time free conversion within 6 months from TOP

– Smart mortgage (up to 70% interest offset)

– Must fund 200K before loan disbursement

Cash rebate For refinancing only

Loan amount above 500K – $2,000

Loan amount above 1.5M – $2,500

1-Month SORA

First Year Interest

3.99%

1M SORA

+

0.28%

Second Year Interest

4.19%

1M SORA

+

0.48%

2 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.28%

Year 2: 1M SORA + 0.48%

Year 3: 1M SORA + 0.58%

Thereafter: 1M SORA + 1.00%

– 100% Waiver of penalty due to sale

– Partial repayment allowed (up to 30% of initial loan amount)

– One time free conversion that can be exercised anytime

– Smart mortgage (up to 70% interest offset)

– Must fund 200K before loan disbursement

Cash rebate For refinancing only

Loan amount above 500K – $2,000

Loan amount above 1.5M – $2,500

2 Year Fixed

First Year Interest

4.00%

Fixed

Second Year Interest

4.00%

Fixed

2 years lock-in

Minimum $800,000

Features

(Minimum loan amount requirement applies)

Year 1: 4.00% Fixed

Year 2: 4.00% Fixed

Thereafter: 3M SORA + 1.00%

Legal and valuation subsidy for refinancing only

– 0.20% of loan amount, capped at $2,500

Fixed Deposit Linked Rate

First Year Interest

4.00%

DBS FHR6

+

1.10%

Second Year Interest

4.00%

DBS FHR6

+

1.10%

2 years lock-in

Minimum $800,000

Features

(Minimum loan amount requirement applies)

Year 1: FHR6 + 1.10%

Year 2: FHR6 + 1.10%

Thereafter: FHR6 + 1.10%

– One free conversion after 12 months

Cash rebate for refinancing only

Private loan amount above 500K – $2,000

Private loan amount above 1.0M – $2,500

Private loan amount above 1.5M – $2,800

HDB loan amount above 250K – $2,000

1-Month SORA (Private)

First Year Interest

4.04%

1M SORA

+

0.33%

Second Year Interest

4.24%

1M SORA

+

0.53%

0 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.33%

Year 2: 1M SORA + 0.53%

Year 3: 1M SORA + 0.63%

Thereafter: 1M SORA + 1.00%

– One time free conversion within 6 months from TOP

– Smart mortgage (up to 70% interest offset)Cash rebate For refinancing only

Loan amount above 500K – $2,000

Loan amount above 1.5M – $2,500

1-Month SORA

First Year Interest

4.04%

1M SORA

+

0.33%

Second Year Interest

4.24%

1M SORA

+

0.53%

2 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.33%

Year 2: 1M SORA + 0.53%

Year 3: 1M SORA + 0.63%

Thereafter: 1M SORA + 1.00%

– 100% Waiver of penalty due to sale

– Partial repayment allowed (up to 30% of initial loan amount)

– One time free conversion that can be exercised anytime

– Smart mortgage (up to 70% interest offset)

Cash rebate For refinancing only

Loan amount above 500K – $2,000

Loan amount above 1.5M – $2,500

Find out how much you can loan with this simple calculator
Find out how much you save when you refinance with us!
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