Unbiased Advice. Leading Banks. Zero Fees.

Singapore Home Loans & Refinancing Simplified

We search the entire Singapore market to secure the best mortgage rates for your home or investment property. Save thousands with expert, independent guidance.

10+ Years of Trust
16+ Partner Banks
Zero Brokerage Fees

Tailored Property Financing Solutions

Maximize your savings with customized strategies matching your exact home ownership profile.

New Home Purchase Loans

Securing competitive fixed and floating packages for HDB flats, Executive Condominiums (ECs), and private properties.

  • Maximum LTV (Loan-to-Value) analysis
  • HDB Loan vs. Bank Loan comparisons
  • Pre-approval assessments within 24 hours
HDB vs. Bank Guide

Mortgage Refinancing

Lower your monthly installments by switching from high-rate packages to the lowest SORA or fixed benchmark rates.

  • SORA benchmark floating rate track
  • Fixed-rate lock-in advisory
  • Cash-out refinancing calculations
Read Full Guide

Expat Property Financing

Providing specialized mortgage solutions for expatriates and foreign buyers acquiring real estate in Singapore.

  • Foreign residency loan structure
  • Cross-border tax & income guidance
  • Integration with LINC Wealth Advisers

Amortization & TDSR Lead Capture Calculator

In Singapore, the Monetary Authority of Singapore (MAS) regulates that your Total Debt Servicing Ratio (TDSR) must not exceed 55% of your gross income. Calculate your loan repayments and verify your TDSR compliance below.

Why TDSR matters

All financial institutions must enforce TDSR. If your score exceeds 55%, you may face borrowing limits or requires credit restructuring.

Estimated Monthly Installment

$4,005

Principal Loan: $800,000
Total Interest Paid: $401,573
Total Payment: $1,201,573

How It Works?

Six simple steps to secure the lowest interest rates for your property loan.

1

Book an Appointment

Send a quick inquiry or call. Our consultants will contact you to assess your profile.

2

Free Call Session

Non-binding & completely FREE consultation explaining current market benchmarks (SORA).

3

Document Submission

Follow a guided, secure checklist to gather the necessary financial documents.

4

Review & Propose

We analyze and compile mortgage offers from over 16 banks, selecting the absolute best.

5

Bank Review & Approval

We handle the bank communications and secure your formal In-Principle Approval (IPA).

6

Signing of Documents

Finalize legal documents with our guided support. Enjoy your new lower interest rate!

Why Choose Singapore Mortgage Brokers?

We work for you, not the banks. Because financial institutions pay us a standard referral commission, our advisory services are 100% free of charge to you.

We Search the Entire Market

We scan loan packages from all major banks in Singapore, including DBS, UOB, OCBC, HSBC, and Standard Chartered.

Expert, Unbiased Advice

We don't favor any bank. Our sole priority is securing the lowest cost and optimal terms matching your TDSR limit.

All Paperwork Handled

Save hours of form filling. We handle submission and coordinate directly with bank underwriters and solicitors.

Bank Rates vs. Broker Rates

A typical homeowner saving just 0.5% on an $800,000 mortgage saves over $4,000 every single year in interest charges.

Typical Bank Rate (Direct)
3.9%
Broker Negotiated Rate
3.4%

Singapore Mortgage FAQs

Answers to common questions about HDB home loans, private property refinancing, and TDSR limits.

Why should I use a mortgage broker instead of going to a bank directly?

A mortgage broker scans loan packages across all 16+ banks in Singapore (e.g. DBS, UOB, OCBC, HSBC) to locate the lowest interest rates, whereas a single bank will only offer their own products. Additionally, brokers handle the underwriting paperwork, liaise with banks, and guide you through TDSR limits. Because banks pay standard referral fees, our services are 100% free of charge to you.

What is the Total Debt Servicing Ratio (TDSR) in Singapore?

The TDSR is a framework regulated by MAS stating that a borrower's total monthly debt repayments (including home loan, car loan, personal credit cards, and school loans) must not exceed 55% of their gross monthly income. We perform a pre-approval assessment to ensure your application complies with TDSR limits before submitting to the banks.

SORA vs. Fixed-Rate home loans: which is better?

Fixed-rate home loans lock in your interest rate for a set period (typically 2 to 3 years), shielding you from rate spikes. SORA (Singapore Overnight Rate Average) is a transparent benchmark floating rate that tracks global interest rate movements. Floating rates can fluctuate monthly. We advise you on the current interest rate cycle to choose the most cost-effective option.

Get a Free Mortgage Consultation

Receive an independent, unbiased review of your home loan or refinancing goals within 1 business day.

Email Us contact@singaporemortgagebrokers.com
Speak with a Broker +65 9017 2280
Office Address 32 Sturdee Road, Kerrisdale, Singapore 207853