Your Trusted Mortgage Broker Specialists

for the Best Loan Rates in Singapore

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Here's How We Help You Find the Best Home Loans

Compare Home Loans Rates in Singapore

Our online tool acts like a mortgage specialist — showing you all the available mortgage loan packages in Singapore, so you can select the home loan interest rate you want.

Chat with Mortgage Specialists in Singapore

Our team of rockstar mortgage consultants in Singapore will follow up and provide you with personalised home loan advice, saving you time and money.

Claim the Best Mortgage Rates

While more Singaporeans are stressing about rising mortgages, you don’t have to. Our team of mortgage specialists in Singapore will connect you with the best bankers and lawyers, ensuring a fast and convenient application process.

Count on Our Mortgage Consultants in Singapore

Our journey doesn’t end here – as your trusted mortgage advisor in Singapore, we’ll keep you informed when home loan rates change, so that you can save for your entire mortgage journey.

Contact Our Mortgage Advisors For the Best Housing Loan Interest Rates!

Our Featured Products

Bank Logo 2 Year Fixed Flexi (Green Mortgage)
First Year Interest 1.4 %
First Year Monthly Installment 4.08K
Loan Tenor 30 years
Three Year Average Interest 1.53 %
  • Fixed interest rates
  • 2 year lock-in
  • (Minimum loan amount requirement applies)
    (Only applicable to selected properties with GREEN MARK certification)
    Year 1: 1.40% Fixed
    Year 2: 1.40% Fixed
    Year 3: 3M SORA + 0.60%
    Thereafter: 3M SORA + 1.00%
    - One free conversion after 12 months
    Legal subsidy for refinancing only
    Loan amount above 500K - $1,800
    Valuation subsidy for refinancing only
    Loan amount above 500K - $350
    Loan amount above 1.0M - $500

Our consultants are standing by!

Loan Amount SGD1200000
Loan Tenor 30 Years
Loan Type
Bank Logo 2 Year Fixed Flexi (Green Mortgage)
First Year Interest 1.4 %
First Year Monthly Installment 4.08K
Loan Tenor 30 years
Three Year Average Interest 1.53 %

    Bank Logo 1-Month SORA
    First Year Interest 1.43 %
    First Year Monthly Installment 4.10K
    Loan Tenor 30 years
    Three Year Average Interest 1.48 %
    • Floating interest rates
    • 2 year lock-in
    • (Minimum loan amount requirement applies)
      Year 1: 1M SORA + 0.25%
      Year 2: 1M SORA + 0.25%
      Year 3: 1M SORA + 0.40%
      Thereafter: 1M SORA + 0.75%
      - One free conversion after 12 months
      - 100% waiver of penalty due to sale
      - Up to 30% partial repayment allowed during lock in
      - Smart mortgage (up to 70% interest offset)
      Cash rebate For refinancing only
      Loan amount below 500K - $1,000
      Loan amount above 500K - $2,000
      Loan amount above 1.5M - $2,500

    Our consultants are standing by!

    Loan Amount SGD1200000
    Loan Tenor 30 Years
    Loan Type
    Bank Logo 1-Month SORA
    First Year Interest 1.43 %
    First Year Monthly Installment 4.10K
    Loan Tenor 30 years
    Three Year Average Interest 1.48 %

      Bank Logo 1-Month SORA (With 200K Deposit)
      First Year Interest 1.43 %
      First Year Monthly Installment 4.10K
      Loan Tenor 30 years
      Three Year Average Interest 1.48 %
      • Floating interest rates
      • 2 year lock-in
      • (Minimum loan amount requirement applies)
        (Must fund 200K before loan disbursement)
        Year 1: 1M SORA + 0.25%
        Year 2: 1M SORA + 0.25%
        Year 3: 1M SORA + 0.40%
        Thereafter: 1M SORA + 0.75%
        - One free conversion after 12 months
        - 100% waiver of penalty due to sale
        - Up to 30% partial repayment allowed during lock in
        - Smart mortgage (up to 70% interest offset)
        Cash rebate For refinancing only
        Loan amount above 600K - $3,500

      Our consultants are standing by!

      Loan Amount SGD1200000
      Loan Tenor 30 Years
      Loan Type
      Bank Logo 1-Month SORA (With 200K Deposit)
      First Year Interest 1.43 %
      First Year Monthly Installment 4.10K
      Loan Tenor 30 years
      Three Year Average Interest 1.48 %

        Bank Logo 1-Month SORA
        First Year Interest 1.43 %
        First Year Monthly Installment 4.10K
        Loan Tenor 30 years
        Three Year Average Interest 1.48 %
        • Floating interest rates
        • 2 year lock-in
        • (Minimum loan amount requirement applies)
          Year 1: 1M SORA + 0.25%
          Year 2: 1M SORA + 0.25%
          Year 3: 1M SORA + 0.40%
          Thereafter: 1M SORA + 0.60%
          - One free conversion after 12 months
          - Waiver of penalty due to sale
          - Up to 30% partial repayment is allowed during lock in
          Legal subsidy for refinancing only
          Loan amount above 500K - $1,800
          Valuation subsidy for refinancing only
          Loan amount above 500K - $350
          Loan amount above 1.0M - $500

        Our consultants are standing by!

        Loan Amount SGD1200000
        Loan Tenor 30 Years
        Loan Type
        Bank Logo 1-Month SORA
        First Year Interest 1.43 %
        First Year Monthly Installment 4.10K
        Loan Tenor 30 years
        Three Year Average Interest 1.48 %

          Bank Logo 1-Month SORA (Priority Banking)
          First Year Interest 1.43 %
          First Year Monthly Installment 4.10K
          Loan Tenor 30 years
          Three Year Average Interest 1.48 %
          • Floating interest rates
          • 2 year lock-in
          • (Minimum loan amount requirement applies)
            Year 1: 1M SORA + 0.25%
            Year 2: 1M SORA + 0.25%
            Year 3: 1M SORA + 0.40%
            Thereafter: 1M SORA + 0.60%
            - One free conversion after 12 months
            - Waiver of penalty due to sale
            - Up to 30% partial repayment is allowed during lock in
            Legal subsidy for refinancing only
            Loan amount above 500K - $1,800
            Valuation subsidy for refinancing only
            Loan amount above 500K - $350
            Loan amount above 1.0M - $500

          Our consultants are standing by!

          Loan Amount SGD1200000
          Loan Tenor 30 Years
          Loan Type
          Bank Logo 1-Month SORA (Priority Banking)
          First Year Interest 1.43 %
          First Year Monthly Installment 4.10K
          Loan Tenor 30 years
          Three Year Average Interest 1.48 %

            Bank Logo 2 Year Fixed Plus
            First Year Interest 1.43 %
            First Year Monthly Installment 4.10K
            Loan Tenor 30 years
            Three Year Average Interest 1.48 %
            • Fixed interest rates
            • 2 year lock-in
            • (Minimum loan amount requirement applies)
              Year 1: 1.43% Fixed
              Year 2: 1.43% Fixed OR 3M SORA + 0.35%
              Year 3: 3M SORA + 0.40%
              Thereafter: 3M SORA + 0.55%
              - Can switch to floating rate at the start of Year 2
              - One free conversion after lock in period
              - 50% waiver due to sales and refund another 50% if client takes the same or higher loan amount within 6 months
              Cash rebate for refinancing only
              Private Loan amount above 450K - $2,000
              Private Loan amount above 1.0M - $2,500
              HDB loan amount above 300K - $2,000

            Our consultants are standing by!

            Loan Amount SGD1200000
            Loan Tenor 30 Years
            Loan Type
            Bank Logo 2 Year Fixed Plus
            First Year Interest 1.43 %
            First Year Monthly Installment 4.10K
            Loan Tenor 30 years
            Three Year Average Interest 1.48 %

              The Mortgage Master Difference

              Reliable Mortgage Brokers in Singapore

              We built Mortgage Master to bring transparency and clarity to an outdated and opaque industry. As mortgage advisors in Singapore with over 50 years of combined experience, we offer personalised advice tailored to your needs. That includes tips on how to save on your monthly mortgage repayments, too.

              Exclusive Rates and Partnerships

              As mortgage brokers in Singapore, we get access to home loan rates not available to the general public. We also partner with reliable bankers and law firms that we entrust our customers to. They ensure that your home loan application process is smooth and efficient.

              Our Service is Free!

              Mortgage brokers in Singapore like Mortgage Master earn a referral fee from the banks for each successful home loan application. Since every bank pays us the same referral fee, this allows us to be biased FOR YOU, and work to your best interests.

              Lowest Singapore Mortgage Rates in 2025

              New Purchase (BUC)

              Floating Rate

              from 1.87%

              Rates updated 01/08/2025
              New Purchase (Completed)

              Fixed Rate

              from 1.85%

              Floating Rate

              from 1.89%

              Rates updated 01/08/2025
              Refinancing

              Fixed Rate

              from 1.85%

              Floating Rate

              from 1.89%

              Rates updated 01/08/2025

              Bank Partners

              What People Are Saying

              Gina Ratnasari
              01:37 30 Jul 25
              I reached out to mortgage master to get advice on managing my mortage for my house purchase.

              Francis is very helpful and ready to answer my questions about mortgage almost immediately. I would have signed the mortgage through his service if only I had enough time to manage the legal procedures for the purchase. I would definitely ask his help in my next refinancing of the house though.

              Thanks Francis for the advices and help. Would definitely work with you in the next chance.
              Uno
              14:37 29 Jul 25
              I’m writing to express my appreciation for the exceptional advisory service provided by Jackie, a mortgage specialist with Mortgage Master.

              While i was skeptical at first, Jackie patiently explained how I could benefit from the advisory service. And indeed, i would not have gotten such a good deal if not for him. I am impressed by his professionalism, responsiveness, patience and deep knowledge, having considered my loan from all angles. He tirelessly explained various options and suggested the best one for me. The banker he linked me up with was equally professional. And I got the max loan i wanted within 2 weeks.

              Because of this positive experience, I would not hesitate to recommend Jackie to friends who need mortgage options.
              B Ng
              13:00 29 Jul 25
              Saying Mitchell is an expert in this field is an understatement.He is able to anticipate clients concern and swiftly provide well thought out advices. His response is almost immediate and always with precision. With his guidance, I am able to analysis clearly which package is most suited for me despite the numerous requirements I have. I am most impressed with his knowledge and pleasant disposition among all the other players in the market. Really hope to engage his help again in the future.
              Abel Tan
              03:48 29 Jul 25
              Francis Chua is honest and cares that you get the right loan for your situation. Didn’t upsell me when I mention that I might sell and instead advise me to do a repricing. Thanks!
              Jason Yong
              02:53 29 Jul 25
              We received prompt and professional mortgage advice and service from Francis of Mortgage Master. He is attentive and responds quickly. Highly recommended.
              YT Wu (Yingtong)
              10:07 28 Jul 25
              Francis Chua is very professional, helpful and responsive, making my re-financing experience smooth and fast. Highly recommended.
              gabriel ng
              07:28 28 Jul 25
              Francis was very helpful!
              Goh ailin
              10:34 26 Jul 25
              Good Service,Thank you
              Beverly Tan
              02:44 26 Jul 25
              Francis was very helpful in my recent refinancing effort. He proactively checked in, recommended the best deals in the market, provided unbias advice and patiently addressed my numerous queries. He neither hard sells nor pressures you to act against your comfort or interest, and is a trustworthy mortgage advisor to journey with for mortgage decisions.
              Felix Chan
              05:13 24 Jul 25
              Very good information ahared.
              More reviews

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              Ask About The Best Housing Loan Rates Now

              Our mortgage consultants in Singapore are on standby to provide you with personalised home loan advice.

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              Frequently Asked Questions for Mortgage Brokers in Singapore

              How do mortgage brokers in Singapore make money?

              We earn a referral fee from each bank upon every successful loan application. Every bank pays the same fee, and this ensures we are not swayed financially to provide advice that is not to our consumers’ benefit. For those curious to learn more, click here to take a look at what exactly mortgage brokers do.

              Just like how platforms such as Singsaver and MoneySmart offer the best credit card deals, mortgage brokers in Singapore work with banks to secure the best mortgage rates for you. Banks prefer working with mortgage brokers because they bring them clients, reducing their marketing costs. This means they can offer more competitive rates, and since brokers work with multiple lenders, the banks compete with each other to offer you the best possible deal.

              Repricing is typically facilitated by banks directly. That being said, our mortgage brokers in Singapore are more than happy to help advise on whether that is right for you, and give you assistance for a successful repricing experience.

              The typical timeline for refinancing in Singapore is at least three months before your lock-in period ends, while the timeline for repricing is 1 month. (P.S. — You can read up more on the difference between refinancing and repricing here) We recommend reaching out to our team of highly experienced mortgage consultants, to advise you on what’s the right time and what’s available in the market.

              Rates offered in the market differ by property type and loan amount. To get the latest bank rates, simply fill up the details here, and our mortgage advisors share with you the latest bank rates in the market.
              Alternatively, should you wish to find out about other loan information, such as the best bank loans for HDBs or how to refinance your home loan in Singapore, reach out to us today!