Independent mortgage comparison across Singapore banks

Compare Singapore Home Loans

Independent mortgage comparison across all banks.

Guidance on lock-ins, refinancing and package clauses.

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Compare across major Singapore banks
DBS OCBC UOB HSBC Standard Chartered Maybank CIMB Bank of China
10+ Years
Mortgage advisory experience
1000+
Satisfied customers
4.9
Google rating
10+ Banks
Compared independently
Your mortgage advisors
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Sean

Director

Expert. Knowledgeable. Professional.

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Anthony

Mortgage Advisor

10+ years mortgage advisory experience

Specialist. Friendly. Customer-first.

Why Percent

Why Use A Mortgage Broker
For Loan Comparison.

Understand Lock-Ins And Clauses

Check clawback, repricing, notice and subsidy mechanics before deciding a package is really cheaper.

Review clause mechanics

Find The Best-Fit Bank Quickly

Use borrower fit, property type and refinancing context to shortlist the right lenders faster.

Compare banks by fit

The Percent Process

The Percent Process

Step 1

Tell us your property type and loan purpose.

Step 2

We shortlist realistic package options quickly.

Step 3

You review package fit, clauses and total cost.

Step 4

We guide you at every step: applying, conveyancing and valuation.

Mortgage Calculators

Use The Right Calculator
Before You Compare.

How Refinancing Reduces Payments

How Refinancing
Reduces Payments.

A 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?”

Illustrative monthly difference
~S$262/mth

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 Timing
Guides

Useful Guides
For The Next Step.

How To Compare Home Loan Rates Use the full comparison framework before choosing any package. SORA vs Fixed Home Loan Choose between payment certainty and floating-rate flexibility. MSR vs TDSR Singapore Understand the borrowing rules before comparing packages. CPF vs Cash for Home Loan Use the guide and embedded calculator for repayment trade-off planning.

Know Your Actual Options
Before You Commit

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.

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FAQ

Frequently Asked Questions

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.

Percent is a mortgage advisory service based in Singapore. Information is general and subject to bank approval and package terms.