10+ Years
Mortgage advisory in Singapore
Percent helps Singapore borrowers compare fixed and SORA packages across major banks, with practical advice on lock-in, repricing, subsidies, and total cost.
We support HDB, private, and refinancing decisions so you can move from rate browsing to a clearer shortlist quickly.
What changed: Updated March 2026 rates snapshot context and refreshed core pathways to bank comparison, refinancing, and calculators.
The lowest advertised rate is not always the best package. The right home loan depends on your property type, expected holding period, and the clauses that affect what happens after Year 1.
Answer 3 questions. Percent will WhatsApp you with your real options.
Compare lock-in, clawback, subsidies, and what happens after the first promotional period.
Use lender fit, package mechanics, and refinance flexibility to narrow the field before drilling into details.
HDB purchase, private purchase, refinancing, self-employed income, and CPF planning all need different decision paths.
| Scenario | Indicative structure | Current signal | Next step |
|---|---|---|---|
| HDB owner comparing to 2.6% | 2-year fixed package | Savings matter once loan size is still meaningful | Compare HDB vs bank loan |
| Private purchase borrower | Fixed or SORA shortlist | Lock-in and holding period often matter more than the headline rate | Compare bank packages |
| Refinancing borrower | Refinance review | Best checked before reversion rate drift becomes expensive | Review refinance timing |
| Borrower comfortable with movement | SORA-linked package | Works better when repayment flexibility is stronger | Review fixed vs SORA |
| Planning, not rate shopping | Market context guide | Use rate outlook to frame timing, not as a pricing page | See mortgage rate outlook |
Check your borrowing limit against total monthly debt obligations.
Open TDSR calculatorEstimate HDB and EC mortgage affordability against the 30% MSR cap.
Open MSR calculatorEstimate BSD and ABSD so your upfront cash planning is clearer.
Open stamp duty calculatorSee the opportunity cost of using CPF for mortgage repayment.
Open CPF vs cash calculatorA homeowner on a S$500,000 loan moving from 2.60% to 1.55% may reduce monthly repayment meaningfully, but the decision only works if legal subsidy, clawback, valuation, and redemption timing still make sense.
The practical question is not just “is the rate lower?” but “does the refinance still save money after all package mechanics are included?”
Approximate payment difference on a 25-year schedule before fees and package clauses. Use this as a discussion starter, not a quoted savings promise.
Review Refinance TimingTell us your property type and loan purpose.
We shortlist realistic bank packages and clause differences.
You review package fit, refinancing logic, and total cost.
We help you move forward with the best-fit option.
Review fixed and SORA structures, lock-in terms, and total cost before deciding.
New to the decision? Start with HDB loan vs bank loan, then review refinancing in Singapore.
What does a mortgage broker in Singapore do?
A mortgage broker helps borrowers compare home loan packages across multiple banks, including interest structure, lock-in terms, penalties, and refinancing options.
How do I compare home loan rates in Singapore properly?
Review more than Year 1 rate. Compare lock-in period, step-up rates, SORA spread, repricing flexibility, clawback clauses, and legal subsidy conditions.
What is SORA in Singapore home loans?
SORA is the Singapore Overnight Rate Average benchmark used in many floating-rate home loans, typically structured as compounded SORA plus a bank spread.
Should I choose fixed or SORA for my home loan?
Fixed rates provide short-term certainty, while SORA-linked packages can be lower initially but fluctuate with market conditions. Suitability depends on risk tolerance and financial planning.