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
3-Month SORA (Citigold Private Client)
First Year Interest
4.21%
3M SORA
+
0.55%
Second Year Interest
4.21%
3M SORA
+
0.55%
0 years lock-in
Minimum $750,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.55%
Year 2: 3M SORA + 0.55%
Year 3: 3M SORA + 0.55%
Year 4: 3M SORA + 0.55%
Thereafter: 3M SORA + 1.00%
– 50% interest offset account
– One time free conversion within 6 months from TOP
– Pegged to 3M SORA with monthly refresh
1 Year Fixed
First Year Interest
4.25%
Fixed
Second Year Interest
4.41%
Fixed
2 years lock-in
Minimum $800,000
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Features
(Minimum loan amount requirement applies)
Year 1: 4.25% Fixed
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.85%
Thereafter: 3M SORA + 1.00%
– One free conversion after 12 months to fixed rate only
Legal and valuation subsidy for refinancing only
– 0.20% of loan amount, capped at $2,500
3-Month SORA (Citigold)
First Year Interest
4.31%
3M SORA
+
0.65%
Second Year Interest
4.31%
3M SORA
+
0.65%
0 years lock-in
Minimum $750,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.65%
Year 4: 3M SORA + 0.65%
Thereafter: 3M SORA + 1.00%
– 50% interest offset account
– One time free conversion within 6 months from TOP
– Pegged to 3M SORA with monthly refresh
3-Month SORA
First Year Interest
4.31%
3M SORA
+
0.65%
Second Year Interest
4.31%
3M SORA
+
0.65%
2 years lock-in
Minimum $800,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
– 50% interest offset account
– Pegged to 3M SORA with monthly refresh
Legal subsidy for refinancing only
– 0.20% of loan amount, capped at $2,500
3-Month SORA (Green Mortgage) (Private)
First Year Interest
4.31%
3M SORA
+
0.65%
Second Year Interest
4.31%
3M SORA
+
0.65%
0 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
– One free conversion after the first loan disbursement
(Only applicable to selected properties with GREEN MARK certification)
3-Month SORA (Private)
First Year Interest
4.36%
3M SORA
+
0.70%
Second Year Interest
4.36%
3M SORA
+
0.70%
0 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.70%
Year 2: 3M SORA + 0.70%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
– One free conversion after the first loan disbursement
1-Month SORA
First Year Interest
4.39%
1M SORA
+
0.68%
Second Year Interest
4.39%
1M SORA
+
0.68%
1 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.68%
Year 2: 1M SORA + 0.68%
Thereafter: 1M SORA + 1.75%
– One free conversion after lock in
– Partial repayment within lock in period is allowed (up to 50% of original loan amount)
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,000
3-Month SORA
First Year Interest
4.41%
3M SORA
+
0.75%
Second Year Interest
4.41%
3M SORA
+
0.75%
0 years lock-in
Minimum $750,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.75%
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.75%
Year 4: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
– 50% interest offset account
– One time free conversion within 6 months from TOP
– Pegged to 3M SORA with monthly refresh
3-Month SORA (Private)
First Year Interest
4.41%
3M SORA
+
0.75%
Second Year Interest
4.41%
3M SORA
+
0.75%
3 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.75%
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
– Waiver of penalty due to sale after 6 months of repayment