About two minutes in total

Where are you in the process?

Questions here change which packages you are eligible for — you will see the count move as you answer. No contact details until you have seen how many packages you qualify for.

Where are you in the process? *

Pick the one that fits. It decides which packages are open to you, and what else we need to ask.

I have found a place and signed Option to Purchase or Sale & Purchase agreement done. I am refinancing Moving an existing home loan to another bank. I am still looking I want to know what I can get before I commit.

Not sure yet how much you can borrow?

Work that out first and this comparison will be far more useful — it takes about a minute, and you can come straight back.

Work out what I can borrow

When did you sign the OTP or S&P? *

This sets your timetable — how long you have before the loan has to be in place.

Who is your loan with at the moment? *

So we can compare against what you already have — and check whether staying put beats moving.

When does your lock-in end? *

Lock-in is the period you are tied to your current bank. Leaving before it ends usually costs about 1.5% of what you still owe — so this is the first thing we check, and it sometimes ends the conversation there.

Already endedFree to move Within 6 monthsThe usual window to start 6–12 monthsWorth planning now Not sureWe can find out

Four questions

The property, and how much you need.

These decide most of your shortlist. You will set the loan term at the end, once you can see what it does to the instalments.

What kind of property is it? *

Private and HDB properties follow different rules and draw on different lenders.

PrivateCondo, landed or EC HDBFlat bought from HDB or resale

Is it built yet? *

A property still under construction draws the loan down in stages, so a different set of packages applies.

Already builtNew or resale — construction is done Under constructionBuying from a developer, not yet built

Fixed or floating? *

Fixed holds your rate steady for the first years. Floating moves with SORA, the published benchmark. No view? Leave it on “Show me both”.

Show me bothRecommended if undecided Fixed Same instalment for a set period Floating Tracks SORA or a board rate

How much do you need to borrow? *

Larger loans open better pricing tiers at many banks, so this moves the answer. An estimate is fine.

$200k$3m$10m

Loan-to-value limits: up to 75% of the purchase price on your 1^st home loan, 45% on your 2^nd, and 35% from the 3^rd onwards.

About a minute left

Three things that quietly change the answer.

Together they decide which packages you can have, how long you can borrow, and what leaving early costs you — and since that differs from bank to bank, one of us checks it for you.

Freehold or leasehold?

Banks cap the loan term against the years left on the lease, which is part of what decides your monthly repayment. Roughly when the estate was built is close enough here — we will confirm the exact date with you.

Freehold or 999 yearsThe lease sets no limit 99-year lease, built since about 1990Long enough not to shorten your term 99-year lease, built before about 1990Your term may need to be shorter Not sureWe can look it up

Will you keep spare cash in the bank alongside the loan?

Some packages let your deposits offset the interest on your loan. If you hold a meaningful balance, those are often the cheapest option available to you — and they never appear on a plain rate table.

Not planning toOr under $50,000 YesTell us roughly how much

Are you looking to sell the property in the next 3 years?

Selling before a package’s lock-in ends means a redemption penalty — so we only show you packages whose lock-in ends by then. Not planning to sell? Leave it on “No”.

Yes, in 1 yearNarrows the shortlist sharply Yes, in 2 yearsMost packages still qualify Yes, in 3 yearsBarely narrows the shortlist NoNot planning to sell

Before any contact details

Here is what fits.

We ranked everything you qualify for and kept the ten worth your time.

The lenders and their rates come straight after the next step. Tell us where to send the shortlist and they fill in these rows, with what each would cost you.

Home loans curated for you Property Condominium
Loan amount $1,500,000
Tenure 25 yrs

Prepared by Your advisor

My advice for you You told me a steady monthly instalment matters more to you than chasing the lowest rate, with school fees starting next year. So I’ve marked the two fixed packages below. Your instalment stays the same for the first two years, whichever way rates move. If you’d rather take the chance that SORA falls, the floating ones are worth a look, and I’m happy to go through the trade-off with you.

Year 1Year 2Year 3ThereafterLock-in Interest, SORA as todayIf SORA rises 1 pointIf SORA falls 1 pointNotes

Fixed rate first · Your rate and monthly instalment stay the same for the fixed period, even if market rates rise or fall.

Suggested

Floating, pegged to SORA · Your rate is SORA plus the margin shown for each year, so it moves when SORA moves.

Finko · Sample

Once you’ve talked it through, your advisor sends a full comparison like this one: your packages grouped by how their rates behave, what happens if rates move, and their advice for you. Sample. Lenders and rates hidden.

Last step

Where should we send it?

Your name and a mobile or an email is all we need. One of our home loan advisors picks it up from here and stays your point of contact, going through the shortlist with you and checking every comparison that follows.

How should we send it?

A mobile or an email — either one is enough. Give both and you can choose which when you get there.

Given name *

Surname *

Mobile for WhatsApp

Email for a written copy

See our privacy policy and terms.

Anything we should know?

Optional. Bonus-heavy pay, self-employment, a second property, an age concern — anything that did not fit the boxes above.

No fee, no obligation.