Get the Best Mortgage Loan Rates in Singapore – Updated Regularly

Rates are subject to change without notice and are presented for a sample loan size of SGD 1 million. For loans under SGD 1 million, please inquire for tailored rate information.

Looking for the best mortgage rates in Singapore? At PropertyNet.SG, we tirelessly compare offers from all major banks to secure you the most competitive rate with zero hassle. Whether you’re refinancing or buying your dream home, we’ve got you covered! Plus, we stand by our promise—if you find a better rate elsewhere, we’ll match or beat it, guaranteed.

Lowest Mortgage Rate in Town

Last Updated: 12 March 2025

Private Condo (Completed) Fixed Bank Rate

%

Fixed 2 years

Private Condo (Completed) Floating Bank Rate

%

1M SORA + 0.25% for 2 years

New Launch (BUC) Floating Bank Rate

%

1M SORA + 0.3% for 2 years

HDB Fixed Bank Rate

%

Fixed 2 years

HDB Floating Bank Rate

%

1M SORA + 0.5% for 2 years

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Frequently Asked Questions

  • What factors influence mortgage rates in Singapore? Mortgage rates in Singapore are influenced by factors such as the Singapore Interbank Offered Rate (SIBOR), the Singapore Overnight Rate Average (SORA), the bank’s cost of funding, and the broader economic environment, including inflation and government policies.

  • What is the difference between fixed and floating mortgage rates? Fixed rates remain constant for a specified period (usually 1-5 years), offering stability, while floating rates fluctuate based on market conditions, typically tied to benchmarks like SIBOR or SORA.

  • How do I choose between a fixed-rate and a floating-rate mortgage? If you prefer stability in your monthly repayments and expect interest rates to rise, a fixed-rate mortgage might be better. If you believe interest rates will fall, a floating-rate mortgage could save you money.

  • Can I switch mortgage rates or refinance my loan during the loan tenure? Yes, refinancing allows you to switch from one bank to another or from one type of rate to another. However, there might be lock-in periods or penalties to consider when refinancing, so it’s important to check your current loan agreement.

  • What are the benefits of applying for a mortgage through PropertyNet.sg? PropertyNet.sg offers a comprehensive comparison of mortgage rates from major banks in Singapore, guaranteeing the best rates with a price-match offer, and the process is entirely free for users, saving both time and money.