Best Home Loans
Updated Oct 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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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