Housing Loan Singapore


SIBOR is generally more stable while SWAP tend to fluctuate more. However 3-month SWAP has recently stayed consistently lower than 3-month SIBOR for an extended period of time. SOR is also very reactive to currency exchange rates.

FREE Housing Loan Analysis

Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

Our services are FREE to you as we are compensate separately by the lenders.

Apply For A Housing Loan Through Us

If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

1) Save your hassle of going about getting your Singapore housing loan
Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

2) No pressure hard selling of home loans
When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

3) Experience with housing loans in Singapore
You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

4) FREE service
If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.


If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

Never go to just 1 bank to inquire about mortgage rates. Even if it is your preferred bank which you have used all your life, you will not necessarily get priority or the best rates in the market.
Trust yourself and your partner. There are a lot of people around you that will claim to be an expert on housing loans. These may be people you know or someone introduced to you. Do not agree to an expensive loan out of courtesy. Doing so can costs you thousands of dollars over the years.
Use a proper home loan calculator to calculate your repayments and interest charges. There are so many loan calculators that can be found online over the internet. 99.9% of them are irrelevant in the Singapore context. Some of them even generates misleading data.

What We Do For You

We Gather And Provide You Information On The Best Housing Loans In Singapore So That You Can Make A Better Decision Based On What Is Available In The Market

Which bank do you recommend for home loans in Singapore?

We don't recommend banks. We recommend you the best home loan that suits your profile and financial position.

SIBOR 14 Jun 2018

1 Month 1.40009
3 Month 1.52038
6 Month 1.66171
12 Month 1.85096

SOR 14 Jun 2018

1 Month 1.39053
3 Month 1.56581
6 Month 1.67225

How Does SOR Rates Hit Negative Value?

SOR rates are calculated with a complex financial formula, solved with simple algebra. The results of solving the equation therefore depends on the inputs used. Varying inputs that result from economic impacts and indicators can lead to negative value when the formula is solved. Key input indicators include USD/SGD spot rates and USD/SGD forward rates.

HDB loan or bank housing loan?

Our opinion is to always take a HDB concessionary loan if you are eligible for one. One of HDB's objectives is to to provide affordable housing for the people. While a bank is profit driven.

Which bank offers the best home loan deals?

Interest rates and spreads are not all that matter. Don't ignore the closing costs involved. Different banks can have different customized home loans for you. Don't be surprised if you will save more on a home loan that charges more interest because of the lesser closing costs involved. This is especially so if you know that you will refinance your home loan as soon as the lock in period has expired.