Mon - Fri, 9.00am - 7.00pm

Best Home Loans 2020

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 3M SIBOR + 0.60%
Year 2 3M SIBOR + 0.60%
Year 3 3M SIBOR + 0.60%
Thereafter 3M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
  • Valuation subsidy capped at $500
  • Free switching to another loan package after 24 months or Waiver of lock-in penalty if property is sold
Year 1 SIBOR + 0.75%
Year 2 SIBOR + 0.75%
Year 3 SIBOR + 0.80%
Thereafter SIBOR + 1.00%
Lock-in period -
Subsidy / Incentive0.2% (max $5,000)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.80%
Year 2 SIBOR + 0.80%
Year 3 SIBOR + 0.85%
Thereafter SIBOR + 1.10%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
Year 1 Board 0.90%
Year 2 Board 0.90%
Year 3 Board 0.90%
Thereafter 3M Sora + 1.00%
Lock-in period -
Subsidy / Incentive$2,000
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1492%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 Board 0.88%
Year 2 Board 0.88%
Year 3 Board 1.20%
Thereafter 1M CMPD Sora + 1.10%
Lock-in period -
Subsidy / Incentive0.2% (max $5,000)
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1327%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 Board 0.91%
Year 2 Board 0.91%
Year 3 Board 1.23%
Thereafter 1M CMPD Sora + 1.10%
Lock-in period -
Subsidy / Incentive0.2% (max $5,000)
Remarks
  • Rate pegged to 1M Sora
  • 1M Sora at 0.1322%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%

Best Fixed Rates Home Loans for Private Properties
Year 1 1.10% (Fixed)
Year 2 1.10% (Fixed)
Year 3 1.10% (Fixed)
Thereafter Board 2.75%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
Year 1 1.12% (Fixed)
Year 2 1.12% (Fixed)
Year 3 Board 1.20%
Thereafter Board + 1.75%
Lock-in period 2 years
Subsidy / Incentive0.30% (max $2,000)
Remarks
  • Valuation subsidy capped at $500
  • Free conversion within 3 months from date of expiry of the lock in period
  • Waiver of lock-in penalty if property is sold
Year 1 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 1.15% (Fixed)
Thereafter 1M Sora + 1.60%
Lock-in period 3 years
Subsidy / Incentive$2,500
Remarks
  • Free switching to another loan package within the bank after 36 months
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 0.1322%

Best Sibor Home Loans for HDB Flats
Year 1 SIBOR + 0.75%
Year 2 SIBOR + 0.75%
Year 3 SIBOR + 0.80%
Thereafter SIBOR + 1.00%
Lock-in period -
Subsidy / Incentive0.2% (max $5,000)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.80%
Year 2 SIBOR + 0.80%
Year 3 SIBOR + 0.85%
Thereafter SIBOR + 1.10%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.80%
Year 2 SIBOR + 0.80%
Year 3 SIBOR + 0.85%
Thereafter SIBOR + 1.00%
Lock-in period -
Subsidy / Incentive0.2% (max $5,000)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 0.90%
Year 2 Board 0.90%
Year 3 Board 0.90%
Thereafter 3M Sora + 1.00%
Lock-in period -
Subsidy / Incentive$1,800
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1492%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 Board 0.88%
Year 2 Board 0.88%
Year 3 Board 1.20%
Thereafter 1M CMPD Sora + 1.10%
Lock-in period -
Subsidy / Incentive0.2% (max $5,000)
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1327%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 Board 0.91%
Year 2 Board 0.91%
Year 3 Board 1.23%
Thereafter 1M CMPD Sora + 1.10%
Lock-in period -
Subsidy / Incentive0.2% (max $5,000)
Remarks
  • Rate pegged to 1M Sora
  • 1M Sora at 0.1322%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%

Best Fixed Rates Home Loans for HDB Flats
Year 1 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 1.15% (Fixed)
Thereafter Board 2.75%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
Year 1 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 1.15% (Fixed)
Thereafter 1M Sora + 1.60%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package within the bank after 36 months
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 0.1322%
Year 1 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 1.15% (Fixed)
Thereafter Board 1.80%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Not required to purchase fire insurance for condominium

Do you have a Mortgage Enquiry?

Compare and view details of the

OR

Contact us for a non-obligatory Mortgage Consultation.