Mon - Fri, 9.00am - 7.00pm

Best Home Loans 2019

Best Sibor Home Loans for Private Properties

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties

Best Fixed Rates Home Loans for Private Properties

Best Sibor Home Loans for HDB Flats

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats

Best Fixed Rates Home Loans for HDB Flats

Do note that the rates below are indicative and that subsidies & incentives are generally given for refinancing only.

For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Best Sibor Home Loans for Private Properties
Year 1 1M SIBOR + 0.25%
Year 2 1M SIBOR + 0.25%
Year 3 1M SIBOR + 0.25%
Thereafter 1M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.25% (max $2,000)
Remarks
  • Partial prepayment allowed within lock-in period
Year 1 1M SIBOR + 0.20%
Year 2 1M SIBOR + 0.20%
Year 3 1M SIBOR + 0.40%
Thereafter 1M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Waiver of lock-in penalty if property is sold
  • $250,000 to be placed with bank
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1M SIBOR + 0.25%
Year 2 1M SIBOR + 0.25%
Year 3 1M SIBOR + 0.30%
Thereafter 1M SIBOR + 0.45%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • $200,000 to be placed with bank

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
Year 1 Board 1.98%
Year 2 Board 1.98%
Year 3 Board 1.98%
Thereafter Board 1.98%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank during Year 2
  • After Fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1 Board 2.08%
Year 2 Board 2.08%
Year 3 Board 2.08%
Thereafter Board 2.08%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • No prepayment penalty if remaining loan is at least $200K after prepayment
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank if board rate increases during lock-in period
Year 1 Board 2.20%
Year 2 Board 2.20%
Year 3 Board 2.20%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
  • 30% partial redemption allow with no penalty

Best Fixed Rates Home Loans for Private Properties
Year 1 2.07% (Fixed)
Year 2 2.07% (Fixed)
Year 3 2.07% (Fixed)
Thereafter 1M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 2.08% (Fixed)
Year 2 2.08% (Fixed)
Year 3 2.08% (Fixed)
Thereafter Board 3.20%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
Year 1 1.89% (Fixed)
Year 2 2.18% (Fixed)
Year 3 2.18% (Fixed)
Thereafter Board 2.18%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold

Best Sibor Home Loans for HDB Flats
Year 1 1M SIBOR + 0.25%
Year 2 1M SIBOR + 0.25%
Year 3 1M SIBOR + 0.30%
Thereafter 1M SIBOR + 0.45%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • $200,000 to be placed with bank
Year 1 SIBOR + 0.25%
Year 2 SIBOR + 0.25%
Year 3 SIBOR + 0.35%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • Waiver of lock-in penalty if property is sold
  • Prepay up to 30% of loan without penalty
Interest Offset Ratio: 70%
Interest Offset Limit: 70%
Year 1 1M SIBOR + 0.30%
Year 2 1M SIBOR + 0.30%
Year 3 1M SIBOR + 0.35%
Thereafter 1M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 2.08%
Year 2 Board 2.08%
Year 3 Board 2.08%
Thereafter Board 2.08%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,500)
Remarks
  • No prepayment penalty if remaining loan is at least $80K after prepayment
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank if board rate increases during lock-in period
Year 1 Board 2.08%
Year 2 Board 2.08%
Year 3 Board 2.08%
Thereafter Board 2.08%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Rate pegged to fixed deposit rate (FD), FD is currently at 0.95%
  • Waiver of lock-in penalty if property is sold
Year 1 Board 2.08%
Year 2 Board 2.08%
Year 3 Board 2.08%
Thereafter Board 2.08%
Lock-in period 1 year
Subsidy / Incentive$2,000
Remarks
  • Rate pegged to fixed deposit rate (FD), FD is currently at 0.95%

Best Fixed Rates Home Loans for HDB Flats
Year 1 2.07% (Fixed)
Year 2 2.07% (Fixed)
Year 3 2.07% (Fixed)
Thereafter 3M SIBOR + 0.85%
Lock-in period 3 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 2.08% (Fixed)
Year 2 2.08% (Fixed)
Year 3 2.08% (Fixed)
Thereafter Board 3.20%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
Year 1 1.89% (Fixed)
Year 2 2.18% (Fixed)
Year 3 2.18% (Fixed)
Thereafter Board 2.18%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,500)
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold

Do you have a Mortgage Enquiry?

Compare and view details of the

OR

Contact us for a non-obligatory Mortgage Consultation.