Home Loans

Best home loan products for 2024. Apply via ValueChampion now!

Find the Cheapest Home Loans in Singapore

DBS Mortgage

DBS's impressive lending track record and consistently low interest rates make it great option for prospective homeowners to consider for their home loans.


DBS Mortgage


Pros

  • Individuals seeking competitive home loan interest rates
  • Borrowers seeking to refinance home loans of more than S$500,000
  • Individuals hoping to earn interest as they pay off their loan

Cons

  • Borrowers seeking to refinance a home loan of less than S$500,000
More Details

Maybank Mortgage

Helping you finance your next private home property purchase, or refinance your current home loan.


Maybank Mortgage


Pros

  • Borrowers seeking low first-year interest rates
  • Borrowers planning to refinance their loans every few years
  • Homeowners planning to refinance home loans of S$300,000 and above

Cons

  • Maybank does not typically provide the most competitive home loan offers, despite its low introductory interest rates.
More Details

OCBC Mortgage

OCBC grants both floating and fixed housing loan rates for private properties and commercial residences like Condos.


OCBC Mortgage


Pros

  • Individuals seeking competitive home loan interest rates
  • Borrowers seeking to get or refinance their home loan of at least S$300,000 for Private Properties and S$200,000 for HDB

Cons

  • Borrowers seeking to refinance home loan of less than S$300,000 for Private Properties or S$200,000 for HDB Flats
More Details

UOB Mortgage

Manage your home loan and make the best out of it. At UOB, we are committed to help you along the way.


UOB Mortgage


Pros

  • Individuals seeking competitive home loan interest rates
  • Borrowers seeking to refinance their home loan of at less than S$500,000

Cons

  • Borrowers seeking home loan refinancing for loans of more than S$500,000
More Details

SBI Mortgage

We offer attractive home loan packages for HDB as well as private properties. How we can help: 3 simple steps to owning your dream home.


SBI Mortgage


Pros

  • Individuals looking for stable interest rates
  • Individuals willing to refinance their home loan every few years
  • Borrowers seeking to refinance their existing home loan

Cons

  • Borrowers seeking home loans with the lowest total interest cost
  • Individuals seeking loans for BTO units
  • Individual with loans less than S$750,000 that are looking for a stable interest rate
More Details

Standard Chartered Bank Mortgage

You can buy your dream home sooner when you bank with Standard Chartered. Our innovative mortgage solutions offer you fast and flexible financing.


Standard Chartered Bank Mortgage


Pros

  • Individuals seeking home loans with low total cost of borrowing

Cons

  • Individuals seeking to refinance their home loans every few years
  • Individuals looking for a smaller home loan below S$300,000
More Details

HSBC Mortgage

In addition to being one of the largest lenders, HSBC offers some of the most competitive interest rates for housing loans.


HSBC Mortgage


Pros

  • Individuals seeking home loans with low total cost of borrowing
  • Borrowers seeking some of the lowest interest rates available
  • Individuals seeking an interest-offset account for their private home loan

Cons

  • Borrowers seeking to refinance loans of less than S$500,000
More Details

Citibank Mortgage

Citibank Singapore offers mortgage loans with affordable interest rates to help you get your dream home.


Citibank Mortgage


Pros

  • Individuals who are willing to refinance their home loan every few years
  • Borrowers seeking a interest-offset account

Cons

  • Borrowers seeking a home loan with a low total cost of borrowing
More Details

Bank of China Mortgage

The Bank of China typically offers some of the cheapest fixed rate housing loans for private residences.


Bank of China Mortgage


Pros

  • Individuals seeking a fixed rate home loan in order to purchase a private residence
  • Borrowers seeking fixed rate home loan refinancing for private properties

Cons

  • Individuals seeking a home loan to purchase an HDB flat
  • Individuals seeking floating rate home loans
More Details

RHB Mortgage

RHB mortgage and refinancing loans offer fixed and floating interest rates and repayment packages, allowing Singaporean customers to personalize their home loan.


RHB Mortgage


Pros

  • Individuals looking for a long-term loan with flexible repayment options

Cons

  • Individuals looking for the lowest interest rates
More Details

CIMB Mortgage

Whether you're buying your first home, upgrading, investing or cashing in, CIMB has the ideal package to suit your property financing needs.


CIMB Mortgage


Pros

  • Individuals who want to adjust their loan payment period or repay their loan early

Cons

  • Individuals looking for the cheapest loans below S$300,000
More Details

Hong Leong Mortgage

An affordable mortgage plan with fully flexible istalments linked to your current account to reduce interest fees and maximise savings.


Hong Leong Mortgage


Pros

  • Individuals who want one of the longest loan tenors in the market

Cons

  • Individuals looking for the cheapest home loan
More Details

Singapura Finance Mortgage

Singapura's home loans have a higher interest rate than most, making it one of the more expensive options in the market.


Singapura Finance Mortgage


Pros

  • Individuals looking for a 35-year long loan tenor, longer than other providers

Cons

  • Borrowers looking for the cheapest home loan
  • Individuals looking for refinancing options
More Details

 

Latest Articles

Home Loans
Home Loans

How Much Do You Need To Earn Per Month To Buy A Condo in Singapore?

by ValueChampion Editorial Team on May 20, 2024

With rising property prices in Singapore, how much do you need to earn to afford a condo? We do the math, including available housing loans...

Home Loans
Home Loans

How To Refinance Your Mortgage Loan For More Savings

by ValueChampion Editorial Team on May 20, 2024

With the high mortgage rates borrowers currently face in Singapore, the topic of refinancing grows ever more crucial. Here is how refinancing your mortgage can...

Home Loans
Home Loans

Home Loan Basics: Bank Loans vs HDB Loans

by ValueChampion Editorial Team on May 14, 2024

If you are a prospective home buyer and are wondering if you should opt for an HDB loan or a bank loan to finance your...

Home Insurance
Home Insurance

Fire, Home & Mortgage Loan Insurance: 3 Ways to Help Protect Your First Home in Singapore

by ValueChampion Editorial Team on May 14, 2024

Now that you have figured out how to finance and buy your first home, let’s explore what insurance plans you can use to protect it.

Home Insurance
Home Insurance

Best Home Insurance Plans in 2024 for Fire, Smoke, Water Damage and Break-Ins

by ValueChampion Editorial Team on May 13, 2024

Finding the right home insurance plan is just as important as finding the right home. Learn how home insurance plans work and what you can...

Home Loans
Home Loans

Best Home Mortgage Loan Refinancing 2024

by ValueChampion Editorial Team on May 7, 2024

Refinancing a home loan can save you thousands of dollars. We analysed various interest rates to help you find the best home loans. Besides the...

Home Loans
Home Loans

Should You Pay Off Your Monthly Mortgage Early Or Invest?

by ValueChampion Editorial Team on May 3, 2024

If you’re a homeowner with a mortgage and extra cash on hand, you’re likely struggling with a dilemma: Should you pay off your mortgage, refinance...

1 of 23

Nextcommon.arrowcommon.arrow