Looking for the Best Home Loan Rates in Singapore (2025)?

Best Fixed Mortgage Rates for a Resale Condo or Landed Home (June 2025)

Looking for the most competitive property loan rates in Singapore? The table above showcases the latest Singapore home loan fixed rate packages available for resale condos and landed homes, updated for April 2025. Whether you’re a first-time homebuyer or planning to refinance your existing mortgage, choosing the right fixed-rate plan is a strategic way to lock in predictable repayments — especially in today’s shifting Singapore housing interest rate landscape.

Fixed-rate mortgages remain a top choice for borrowers seeking short-term security and insulation from market fluctuations. With lock-in periods typically ranging from 2 to 5 years, these packages provide stability and peace of mind while allowing you to plan your finances with confidence.

However, finding the best loan mortgage rates isn’t just about spotting the lowest headline figure. It’s about understanding the full picture — from legal subsidies and cash rebates to exit clauses, repricing options, and post-lock-in flexibility. That’s where working with a seasoned mortgage advisor makes all the difference.

At Ace Mortgage, our expert mortgage brokers in Singapore go far beyond what’s listed in a rate table. We guide you through a full comparison process, taking into account your financial profile, CPF usage, property goals, and risk appetite. We also evaluate:

• Lock-in duration and early repayment penalties

• Bank-specific promotions and legal subsidies

• Flexibility to reprice or refinance during or after the lock-in period

• Total loan cost, not just the interest rate

Our deep relationships with more than 20 local and international lenders allow us to give you real-time insights and personalised guidance. Whether you’re looking to compare mortgage rates Singapore across top banks or secure the lowest housing loan rate for your budget, we help you structure a mortgage plan that truly works for your long-term goals.

With so many options in the market, navigating the world of Singapore home loan fixed rate offers can feel overwhelming. Let us simplify it for you — with expert, bank-neutral advice at no cost.

📌 Enquire now to compare the best mortgage loan rates in Singapore and get your personalised assessment started today.

Best Floating Mortgage Rates for a Resale Condo or Landed Home (June 2025)

Considering a floating rate mortgage for your resale condo or landed home? The table above outlines the most competitive spreads over 3M SORA and FHR6 benchmarks from top banks. 

These floating packages are designed to offer flexibility and potentially lower initial repayments, making them an appealing choice for certain property owners.

Unlike fixed rates, floating rates fluctuate with market conditions. This means while you may benefit from short-term savings, there’s also risk tied to movements in SORA and other rate benchmarks. That’s why selecting the right Singapore home loan involves more than just comparing the headline spread — it requires a holistic strategy.

At Ace Mortgage, we help you make informed decisions by offering comprehensive mortgage rates comparison Singapore. We look at more than just numbers — our mortgage advisors assess lock-in periods, repricing options, CPF usage, and long-term suitability for your financial profile and goals.

For many clients, floating loans are a powerful short-term option — especially in situations where:

• You’re planning to sell the property within a few years

• You expect interest rates to trend downward

• You want flexibility to refinance without high penalties

• You prefer a shorter lock-in period to stay agile

However, if you’re comparing against fixed housing loan rates, our team can help you weigh both paths objectively. The ideal approach often depends on your appetite for risk, your exit timeline, and how much certainty you need in your monthly repayments.

With market volatility and rising inflation, securing the best home loan rate isn’t just about interest savings — it’s about building financial resilience. Whether you’re buying or refinancing, our brokers will help you identify the most suitable package with competitive interest for home loan repayments and smart long-term flexibility.

By working with over 16 local and international lenders, we ensure your floating rate loan is not only low — it’s the right fit. No guesswork, no pressure, just clarity.

📌 Get in touch now for a tailored Singapore home loan consultation — and explore the top floating rates with a bank-neutral expert on your side.

Comparison of Major Private Property Loan Banks in Singapore (June 2025)

In today’s market, fixed-rate private property mortgage loans in Singapore typically range from 2 to 5 years, with 2-year and 3-year fixed mortgage packages being the most popular among homeowners. These offer a balance between short-term interest rate stability and long-term flexibility, helping borrowers minimise overall interest costs while locking in peace of mind.

While Maybank and Standard Chartered are currently offering some of the best house mortgage rates, other major lenders such as DBS, OCBC, UOB, and HSBC also feature attractive fixed-rate home loan packages. Each bank brings its own strengths — from promotional perks and shorter lock-in periods to relationship-based pricing and refinancing incentives. For example, DBS and UOB often promote limited-time fixed deals, while OCBC and HSBC cater to clients with tailored solutions and flexible pricing structures.

When it comes to floating home loans mortgage rates for private properties, lenders like Maybank, Standard Chartered, and DBS are especially competitive. Their packages are typically pegged to the 3M SORA benchmark and come with shorter lock-in periods — often just 1 to 2 years — which can be a strategic advantage in a rising rate environment. This gives borrowers the ability to refinance quickly if market conditions change.

At Ace Mortgage, our experienced consultants provide expert Singapore mortgage rate comparisons, helping you analyse not just rates, but total loan cost, flexibility, and refinancing options. We work with over 20 leading banks to help you secure the best housing loan in Singapore, tailored to your property type, financial profile, and long-term goals.

Whether you’re buying a resale condo, landed home, or refinancing your existing loan, we’ll guide you toward the lowest mortgage rates — with zero fees, full transparency, and bank-neutral advice.

📌 Enquire now for a full loan assessment and find the most suitable mortgage loan Singapore package for your private property.

Best Fixed Mortgage Rates for Private Property Refinancing (June 2025)

Thinking of refinancing your private property? The table above features the most competitive fixed-rate mortgages currently available for refinancing, sourced from the top banks in Singapore.

Refinancing remains one of the smartest ways to lower your house interest rate Singapore, reduce your monthly instalments, and unlock more cash flow for savings or investment. But not all refinancing packages are created equal — and choosing the wrong one can cost you more in the long run.

At Ace Mortgage, we take the guesswork out of the process. Our expert advisors provide full home loan Singapore comparison services that go far beyond rate tables. We assess your current loan, property goals, and risk appetite to recommend the most suitable package from over 20 banks and lenders.

We don’t just compare current mortgage interest rates — we look at:

• Lock-in periods and early repayment penalties

• Legal subsidies and cash rebates

• Flexibility to reprice or refinance in the future

• CPF usage, TDSR/MSR limits, and tenure optimisation

• The total cost of borrowing, not just the interest rate

If you’re considering switching from a floating-rate mortgage to a fixed-rate plan, we’ll walk you through the pros and cons of each — ensuring your loan is aligned with both short-term rate conditions and long-term financial security.

Our strong relationships with mortgage lenders with lowest interest rates allow us to access exclusive offers not typically available to the public. That’s how we help you secure the best mortgage loan Singapore — personalised, transparent, and completely free.

📌 Ready to refinance? Connect with us today and get a tailored recommendation based on the best home loan Singapore comparison — and start saving with the right mortgage for you.

Best Floating Mortgage Rates for Private Property Refinancing (June 2025)

Floating rate packages can be an excellent option for homeowners looking to refinance in a rising or stabilising interest rate environment. The table above highlights the latest floating-rate refinancing offers for private properties, pegged to 3M SORA or FHR6 benchmarks — complete with updated spreads from top banks in Singapore.

Refinancing into a floating mortgage loan in Singapore allows you to take advantage of potentially lower initial repayments, shorter lock-in periods, and greater flexibility to reprice or switch packages when interest rates shift. However, choosing the right loan requires more than comparing rates — it requires a full financial strategy.

At Ace Mortgage, our seasoned mortgage Singapore advisors take a holistic approach. We guide you through total cost comparisons, analyse refinancing savings, and evaluate loan features like subsidy clawbacks, lock-in terms, and penalty waivers — all to ensure you’re making the smartest decision for your financial goals.

Unlike current fixed mortgage rates, which offer stability, floating loans give you room to adapt — a major plus in a dynamic market. But they also demand careful planning, especially when tied to SORA, which can change every quarter. That’s why understanding the Singapore bank housing loan interest rate landscape is key before making a switch.

We work with more than 20 major banks to bring you real-time comparisons of home loans and mortgages, including hidden fees, promotional perks, and lender-specific benefits. Whether you’re refinancing to ease monthly cash flow or restructuring your Singapore mortgage loan to prepare for future upgrades, we ensure your new package supports your goals.

Our mission is to help you secure the Singapore best housing loan — not just the lowest rate, but the one that fits your repayment timeline, risk appetite, and property plans.

📌 Ready to refinance with clarity? Speak to our team for a custom home loan Singapore strategy — and explore the top floating-rate options designed for smart, forward-thinking homeowners.

📈 Compare Bank Refinancing Rates (June 2025)

If you’re planning to refinance your private property, now is a strategic time to reassess your mortgage and secure a better deal. With the home loan interest rate landscape still above historical norms, many savvy homeowners are locking in short-term stability through 2- or 3-year fixed rate mortgage Singapore packages — especially those that allow flexibility in the years ahead.

Several leading banks in Singapore — including DBS, OCBC, UOB, HSBC, and Bank of China — are currently offering competitive fixed rate refinancing packages. These plans are ideal for homeowners with a lower risk appetite, looking for predictability in repayments while retaining the ability to pivot later. They also appeal to borrowers aiming to avoid potential volatility in floating rates over the next few years.

Some of the best home loan options come with built-in flexibility, such as free repricing within the lock-in period. This means you can switch to a new package if market conditions improve — without incurring penalties. For instance, Bank of China offers such features in their refinancing plans, along with perks like full penalty waivers if you sell the property before the loan is fully repaid.

Refinancing is also a great way to transition into the cheapest loans available today, especially if your current interest rate was locked in during a higher-rate period. But the ideal package isn’t just about chasing the lowest number — it’s about aligning the loan with your future plans, whether you intend to hold, sell, or restructure in the short to medium term.

At Ace Mortgage, we simplify the process with expert, unbiased guidance and a full Singapore home loan rates comparison across more than 20 banks. We help you evaluate not just rates, but total costs, subsidies, flexibility, and exit clauses — ensuring you secure the best home loan for your refinancing goals.

📌 Ready to refinance? Speak to us today to find the lowest home loan interest rate and the cheapest refinancing loan tailored to your needs.

Enquire now to get refinancing loan assessment with lowest mortgage rates.

Best Mortgage Rates for a BUC Condo (June 2025)

Planning to finance a new launch condo in Singapore? The table above highlights the most updated floating-rate packages for Building Under Construction (BUC) properties, pegged to 3M SORA or FHR6 benchmarks — accurate as of April 2025.

Securing the right house loan interest rate at the BUC stage is critical. Since disbursements are made progressively as construction milestones are reached, your mortgage for loan structure must be flexible enough to adapt over time — without exposing you to future rate shocks.

At Ace Mortgage, we specialise in helping buyers lock in favourable spreads early, avoid hidden rate traps, and structure a smart long-term financing plan. Our experts track the bank mortgages rates across all major lenders and offer real-time insights to help you choose the most cost-effective strategy.

Choosing a mortgage during the BUC phase isn’t just about initial savings — it’s about long-term adaptability. With partial servicing over the construction period, it’s easy to overlook how the package you choose today affects future repayments after TOP. That’s why it’s vital to compare mortgage rates thoroughly and understand the nuances.

We help you evaluate both floating and home loan fixed interest rates, and guide you toward the lowest interest rate mortgage loan that balances flexibility with financial stability. Whether you plan to hold, rent, or refinance post-completion, we’ll match you with packages that offer:

• Low spreads over benchmark rates

• Free repricing or package switching options

• Partial disbursement-friendly terms

• Exit flexibility for early sale or upgrade

• Long-term suitability for your investment horizon

With over 20 bank partners, we make it easy to compare loans home options and secure the best Singapore mortgage rates for your BUC condo — without sales pressure, hidden fees, or wasted time.

📌 Let us help you find the best home mortgage rates — tailored to your timeline, your risk appetite, and your goals.

Best Mortgage Rates for a BUC Condo (June 2025)

Choosing the right housing loan for a Building Under Construction (BUC) condo in Singapore requires more than just chasing the lowest number on a rate sheet. Because these properties follow a progressive payment schedule, your loan is disbursed in stages — making the structure, flexibility, and future adaptability of your mortgage just as important as the housing interest rate itself.

Among today’s lenders, DBS currently stands out with one of the Singapore best mortgage rates for BUC buyers, especially those looking for floating packages with built-in flexibility. A key highlight? DBS allows borrowers to switch their rate of interest home loan package up to two times — from the first disbursement through to six months after Temporary Occupation Permit (TOP). This flexibility can be a game changer if market conditions change and a fixed rate of interest home loan becomes more attractive in the future.

Another standout benefit from DBS is the waiver of early repayment penalties on any undisbursed loan amounts — a rare offering. This is particularly valuable if you’re an investor or owner planning to sell the property soon after key collection. Without this feature, sellers often face penalties on the unreleased loan portion, which can cost thousands.

But DBS isn’t your only option. Banks like UOB, OCBC, Standard Chartered, and HSBC also offer highly competitive floating-rate BUC packages, each with its own advantages. Whether it’s lower bank spreads, shorter lock-ins, or flexible repricing options, a proper mortgage loans comparison is essential before locking anything in.

At Ace Mortgage, we help you go beyond surface-level mortgage rates currently advertised. We take a 360-degree approach — evaluating bank house loan interest rate terms, total cost of borrowing, subsidy clawbacks, and refinancing potential. Our experts provide a detailed home loan rates Singapore comparison so you can select a package that’s built around your life stage, risk appetite, and exit strategy.

Whether you’re seeking cheap mortgages with short-term gains or long-term stability with the lowest rate of interest home loan, we’ve got the tools and insights to help you decide. With access to over 20 major lenders and up-to-date data on updated home loan interest rates, we’ll help you lock in a financing plan that grows with your property.

📌 Ready to make your move? Contact us for a personalised plan — and unlock the best mortgage loan Singapore options for your new launch condo.

Progressive Payment Schedule for a New Launch Condominium in Singapore

Buying a Building Under Construction (BUC) property in Singapore means navigating a unique financing structure called the progressive payment schedule. Instead of paying the full amount upfront, you pay in stages as your property hits construction milestones. This directly impacts how your mortgage loan interest in Singapore is disbursed — and why choosing the right loan structure is so important.

Each construction phase — from the 5% Option to Purchase (OTP) to the final 25% upon Temporary Occupation Permit (TOP) — activates a partial loan disbursement. That’s why selecting a loan with flexibility, competitive rates, and the right lock-in terms is key. Your Singapore home loan interest will accumulate gradually, and managing that with the wrong package can significantly increase your overall cost.

At Ace Mortgage, we specialise in helping buyers secure the best housing loan rate Singapore offers for BUC condos. Whether you’re looking for stability with home loan fixed rates Singapore or prefer the flexibility of floating packages, we conduct a full mortgage rates Singapore comparison tailored to your financial goals and timeline.

We work with over 20 lenders to find you the cheapest home loan in Singapore, not just based on headline numbers, but by factoring in:

• Legal fee subsidies and promotional perks

• Lock-in durations and exit penalties

• Refinancing options post-TOP

• Repricing flexibility and rate switches

• Total cost of borrowing, not just the bank loan interest rates Singapore publishes

With interest mortgage rates fluctuating in 2025 and beyond, our role is to future-proof your loan — not just for today’s rate, but for tomorrow’s changes. Our advisors make it easy to identify good mortgage rates, avoid hidden fees, and structure a loan that fits your CPF usage, investment strategy, and exit timeline.

By combining expert guidance and real-time data, we help you lock in the lowest home loan interest rates available — and secure a deal that works from your first disbursement to the day you get your keys.

📌 Contact us today to explore your options and lock in the Singapore property loan interest rate that supports your homeownership journey — with zero cost, full transparency, and expert support at every step.

Current SORA Rates Today (June 2025)

The Singapore Overnight Rate Average (SORA) is now the primary benchmark for pricing most floating-rate home loans in Singapore. The table above shows the latest compounded SORA rates as of April 2025 — a crucial reference point for anyone planning to take up or refinance a mortgage tied to a floating structure.

With the 3-month compounded SORA sitting at 2.55%, borrowers must factor in the bank’s spread added on top of this base rate. This spread varies between lenders, meaning your effective home loan with interest can differ significantly depending on the package you choose. That’s why it’s essential to compare home loan rates across banks to secure the best rate for mortgage loan options available.

At Ace Mortgage, we help you go beyond numbers. Our team of expert mortgage consultants breaks down the real cost of borrowing — not just the bank loan rates Singapore advertises — but the fine print, the lock-ins, and the refinancing potential. Whether you’re after a floating package with flexibility or a Singapore fixed rate home loan for stability, we help you secure the best mortgage rates Singapore based on your unique financial goals.

Our deep lender network gives us access to promotional packages and exclusive offers not always shown publicly — helping you lock in:

• A competitive house loan rate that fits your budget

• The best housing loan terms with low upfront costs

• A good mortgage rate based on your CPF usage and risk profile

• Clarity on property loan interest trends for better long-term planning

• The Singapore best home loan deal, structured around your timeline

With market volatility and current home loan interest rates always in flux, it’s more important than ever to make smart, informed decisions. Whether you’re buying, refinancing, or switching from fixed to floating, Ace Mortgage ensures you get transparent advice and the lowest rate of interest on housing loan offers available — all at no cost to you.

📌 Need help navigating floating rates? Let’s simplify it. Get expert insight on bank loan rates Singapore and find a package that grows with your home.