Residential HDB & Private Property Home Loans

Singapore Residential Home Loan - Compare Latest Lowest Cheapest Best Home Loans | Completed Under-Construction BUC BTO New Purchase Refinancing | HDB EC Apartment Condo Landed PropertyLatest Private Property Home Loan Promotions (New Purchase / Refinancing): 

Residential - Private

Sibor-Pegged Home Loans

FD-Pegged Home Loans

Fixed Rate Home Loans

1st yr >1.60%
>1.65% >1.70%
2nd yr >1.60% >1.65% >1.80%
3rd yr >1.60% >1.65% >1.85%
       
Property Type Completed / Under-Construction (BUC) Completed / Under-Construction (BUC) Completed
Lock in period 0 - 3 years 0 - 3 years 2 - 3 years
Prepayment allowed Yes / No Yes / No No
Legal Subsidy Yes, for refinancing Yes, for refinancing Yes, for refinancing
Interest Offset Yes / No Yes No

*Based on prevailing Sibor rates, minimum loan amount may apply. Contact us for full list of home loan offers & details.

 

Latest HDB Home Loan Promotions (New Purchase / Refinancing): 

Residential - HDB

Sibor-Pegged Home Loans

FD-Pegged Home Loans

Fixed Rate Home Loans

1st yr >1.66%
>1.65% >1.68%
2nd yr >1.66% >1.65% >1.75%
3rd yr >1.66% >1.65% >1.88%
       
Property Type Completed / Under-Construction (BTO) Completed / Under-Construction (BTO) Completed / Under-Construction (BTO)
Lock in period 0 - 3 years
0 - 3 years 2 - 3 years
Prepayment allowed Yes / No Yes / No Yes / No
Legal Subsidy Yes, for refinancing Yes, for refinancing Yes, for refinancing
Interest Offset Yes No No

*Based on prevailing Sibor rates, minimum loan amount may apply. Contact us for full list of home loan offers & details.

 

Types of Packages, Features & Benefits:

+ Fixed Rates (1-5 years)
+ Fixed Deposit Pegged
+ Sibor Pegged
+ SOR Pegged
+ Variable Board Rates
+ Sibor / SOR Pegged throughout
+ Hybrid Combination of Sibor and SOR Pegged
+ Hybrid Combination of Fixed and Variable Rates
+ Deposit Matching Interest Offset
+ Constant Principal Repayments
+ Free Conversion
+ Legal subsidy (For Refinancing Only)

Features of residential home loans include but are not limited to lock in period, prepayment penalties, legal subsidy, valuation subsidy, quantum of financing, loan tenure and bank valuation. Other lending characteristics may also vary between different banks and lenders.

 

Property Types:

+ HDB flats (3 Rm / 4 Rm / 5 Rm / 3Gen / Executive / DBSS)
+ HUDC Flats
+ Executive Condominiums
+ Condominiums
+ Apartments
+ Walk Up Apartments
+ HDB Shop Houses
+ Conservation Houses
+ Landed Properties (Town Houses / Cluster / Terrace / Semi-Detached / Bunglows)

 

Applicable for:

+ Individual Names (Max 80% Loan-To-Value)
+ Investment Holding Companies (Max 20% Loan-To-Value)
+ Operating companies (Max 20% Loan-To-Value)

 

Our Brokerage Services:

> New Purchase (Completed / Under-Construction)

We provide mortgage comparisons from over 18 banks and finance houses for the finest and widest selections of home loans. Loan to value lending limit is capped at 80% financing quantum.

 

> Refinancing / Remortgaging

Refinancing your residential home loan after your lock in period may provide you with thousands of dollars in savings. Legal and valuation subsidy plans available.

 

> Property Cash Out Loan / Equity Term Loan (Not applicable for HDB flats)

If your residential property has appreciated in value over the years, an additional cash out property term loan will allow you to cash out the excess equity of your property.

 

> Fractional Part Purchase Mortgages

Due to a change in situation and needs, a couple or borrowers may need to decouple their housing loans. Example. A couple undergoing a divorce matter.  Borrower A will purchase over borrower B part share of the house. Other scenarios or situations may apply for part purchase mortgages.

 

> TDSR Exemptions

Having your home loan application rejected with your existing lender when you tried to reprice your mortgage with them due to TDSR (Total Debt Servicing Ratio)? As different banks have different TDSR exemption policies in excess of MAS guidelines, we can help you find the right banks to refinance your mortgage and enjoy lower interest repayments.

 

> Debt Consolidation and Restructuring (Not applicable for HDB flats)

We work with alternative non-bank private financial lenders to provide bespoke customised secured lending solutions to help borrowers raise capital, consolidate and restructure their debt.

 

> Indicative Property Valuation Check

If you have would like to conduct an indicative valuation check, kindly text us details of the property like the address, build in area and asking price. Further information like land area, age, types of property, types of tenure, number of storey are required for indicative for landed properties.

 

> Application In-Principal Review

Assessing your eligibility and max borrowing limits can help you to plan your finances and budget more effectively in advance.

 

Application Process - Step by Step Guide:

> Step 1

Contact us via phone/sms/web contact form.
Fact finding/Phone discussion.
Email rates/proposal for consideration.

 

> Step 2

Appointment/Discussion.
Application submission.
Lender's credit underwriting & approval.

 

> Step 3

Approval & issuance of lender's offer letter.
Acceptance of offer letter.
Completion/Settlement.

Contact us for a discussion today!