OCBC Home Loan Rates & Packages in Singapore (2025)
Discover the most competitive OCBC mortgage rates tailored to your property goals.
OCBC Loan Type
Let us help you compare the best OCBC home loan offers for HDB Resale, BTO Flats, Private Condos, New Launches, Landed Homes & Commercial Properties.
New LoanRefinancingMortgage Loan Rates from All 16 Banks
Benefits of OCBC Home Loans
Looking to finance your dream home or refinance your current property? OCBC Bank offers some of the most flexible and rewarding home loan packages in Singapore.
At Ace Mortgage, we make your home financing journey effortless — comparing the latest OCBC loan packages, guiding you through the application, and helping you secure the most competitive rates. Whether you’re a first-time homeowner or a seasoned property investor, understanding OCBC’s mortgage options can lead to smarter, more strategic property decisions.
Competitive Interest Rates
OCBC offers attractive home loan rates across HDB flats, condominiums, and landed properties, helping you save on both your monthly installments and overall interest costs.
Eco-Care Home Loan Rewards
Enjoy additional perks with OCBC’s Eco-Care Home Loan when you purchase energy-efficient homes, promoting sustainable living while reducing your total cost of borrowing.
Wide Range of Loan Packages
Choose from fixed, floating (SORA-pegged), and renovation-friendly options. OCBC offers tailored solutions whether you are purchasing a new property, building under construction, or refinancing.
Trusted and Recognised Bank
As one of Singapore’s largest and most established banks, OCBC is known for reliable service, transparent terms, and innovative digital tools to support your mortgage journey.
Fast In-Principle Approvals
Receive in-principle approvals within hours. OCBC’s digital loan process makes it faster and easier to secure your home financing without unnecessary paperwork.
Free Expert Advice
Our licensed mortgage consultants at Ace Mortgage provide free, unbiased advice to help you compare OCBC home loan packages — ensuring you pick the plan that fits your financial goals.
Latest OCBC Home Loan Interest Rates (2025)
Looking for the latest OCBC mortgage rates in Singapore? Whether you’re purchasing an HDB flat, a private condominium, a landed property, or a new launch under construction, OCBC offers a variety of competitive home loan packages to suit different needs. Compare the current OCBC housing loan rates below.
🔒 OCBC Fixed Rate Home Loans
OCBC Fixed Rate Home Loan Rates for HDB and Private Property (May 2025)
| Loan Type | 2-Year Fixed | 3-Year Fixed |
|---|---|---|
| HDB Loan | 2.55% p.a. | 2.60% p.a. |
| Private Property Loan | 2.55% p.a. | 2.60% p.a. |
| Minimum Loan Amount | $300,000 | $300,000 |
💡 Who this is for:
Homeowners who value stability and predictable payments — especially helpful for first-time buyers or anyone concerned about future interest rate hikes.
👍 Key Benefits:
Lock in rates for 2–3 years
No surprises in monthly repayments
Ideal for budgeting with certainty
Great for families and new homeowners
🌊 OCBC Floating Rate Home Loans (3M SORA)
OCBC Floating Home Loan Rates (3M SORA-Pegged Packages) (May 2025)
| Loan Type | Interest Rate | Spread | Lock-In Period |
|---|---|---|---|
| HDB Loan | 3M SORA + 0.80% ≈ 3.67% | 0.80% | 2 years |
| Private Property Loan | 3M SORA + 0.80% ≈ 3.67% | 0.80% | 2 years |
This hybrid home loan offers the best of both worlds—part fixed, part floating—giving you flexibility and cost control over your repayments.
💡 Who this is for:
Borrowers who want the opportunity to enjoy lower starting interest rates and are comfortable with potential short-term fluctuations tied to market movements.
👍 Key Benefits:
- Often lower entry rates than fixed packages initially
- Transparent pricing linked directly to the 3M SORA benchmark
- Flexible refinancing options after the lock-in period
- Suitable for financially savvy homeowners and investors
🔄 OCBC Eco-Care and Floating Rate Packages
OCBC Eco-Care Floating Home Loan Rates (May 2025)
| Package Type | Interest Rate | Lock-In Period | Special Features |
|---|---|---|---|
| Eco-Care Home Loan | 3M SORA + 0.80% ≈ 3.67% | 2 years | Eco rewards for sustainable homes |
| Standard Floating Package | 3M SORA + 0.80% ≈ 3.67% | 2 years | Standard SORA-pegged package |
Unlike DBS, OCBC does not offer a traditional fixed-floating hybrid loan like the DBS Two-in-One.
Instead, OCBC differentiates itself by offering specialized floating packages — including the innovative Eco-Care Home Loan — allowing borrowers to enjoy flexibility while supporting sustainable living.
💡 Who this is for:
Homeowners who want competitive floating rates and the flexibility to refinance, while supporting eco-friendly housing initiatives.
👍 Key Benefits:
- Lower entry rates compared to long-term fixed packages
- Transparent pricing tied to 3M SORA
- Eco-Care package offers additional perks for energy-efficient homes
- Flexibility to refinance or reprice after the lock-in period
🏗️ OCBC BUC Home Loans (Building Under Construction)
OCBC Building Under Construction (BUC) Home Loan Rates (May 2025)
| Feature | Details |
|---|---|
| Disbursement Method | Progressive (based on construction stages) |
| Interest Charged On | Only on disbursed loan amounts |
| Common Rate Type | Floating (3M SORA + spread) |
| Early Repayment Penalty | Applies during lock-in period |
| Free Conversion | Usually allowed post-TOP (upon key collection) |
Planning to buy a new launch condo or an executive condominium (EC) still under construction? OCBC offers attractive Building Under Construction (BUC) home loan packages with progressive payment schemes to minimize your interest burden during the construction phase.
💡 Who this is for:
Buyers of new launch condominiums or executive condominiums (ECs) who want to minimize upfront interest costs and enjoy flexible conversion options after the project is completed (TOP).
👍 Key Benefits:
- Pay interest only on the progressive disbursed amounts (not the full loan upfront)
Lower cash outlay during the construction period
Linked to the 3M SORA benchmark for transparent floating rates
Flexible package conversion available after Temporary Occupation Permit (TOP)
🔗 OCBC Bridging Loan (For Upgraders)
OCBC Bridging Loan Rates for Property Upgraders (May 2025)
| Feature | Details |
|---|---|
| Interest Rate | 4.25% p.a. (pegged to OCBC Prime Rate) |
| Tenure | Up to 6 months |
| Lock-In Period | None |
| Repayment Type | Bullet repayment upon sale of existing property |
Need to buy your new home before selling your current one? OCBC’s Bridging Loan offers fast, short-term financing to help property upgraders smoothly transition without financial stress.
💡 Who this is for:
Homeowners planning to upgrade to a new property while needing upfront funds before the successful sale of their current home.
👍 Key Benefits:
- Immediate access to cash to complete your new purchase
Flexible lump-sum repayment after receiving sale proceeds
No lock-in periods or early repayment penalties
Helps avoid missing out on dream properties due to sale timing issues
Compare OCBC Housing Loan Options in Singapore
Explore and compare the latest OCBC home loan packages to secure the best rates for your HDB, private condominium, landed property, or new launch project. Whether you're applying for a new loan or refinancing, our mortgage advisors help you find the right OCBC financing solution tailored to your needs.
- Lock in attractive OCBC mortgage rates for your property
- Choose from fixed, floating, Eco-Care, and BUC loan options
- Get expert advice on eligibility, CPF utilization, and loan structuring
- Enjoy a smooth, hassle-free loan application process from start to finish
OCBC Home Loans for Private Condos and Landed Homes
Looking to purchase or refinance a private property in Singapore? OCBC offers a comprehensive range of mortgage packages for condominiums and landed homes, including competitive fixed and floating rate options. Our advisors help you compare rates, navigate TDSR guidelines, and structure your loan to align with your residence or investment objectives.
- Compare fixed vs floating OCBC rates for private properties
- Get expert advice on loan tenure, pledged income, and show-cash strategies
- Learn how to optimize your mortgage structure for maximum savings
- Access preferential OCBC packages for high-value home purchases and refinancing
OCBC HDB Home Loans for BTO or Resale Flats
Deciding between an HDB loan and a bank loan from OCBC? We help you break down the key differences, explain CPF usage rules, MSR limits, and guide you toward the best mortgage solution for your new flat purchase or refinancing.
- Compare OCBC bank loan vs HDB concessionary loan
- Understand CPF Ordinary Account usage, MSR restrictions, and housing grants
- Access OCBC home loan rates for both new BTO and resale flats
- Get personalized, step-by-step guidance from our licensed mortgage advisors
Get Personalised Advice on OCBC Home Loans
✅ OCBC home loan specialists with insider expertise
✅ Unbiased advice tailored to your property goals
✅ Fast, hassle-free guidance via WhatsApp
All You Need to Know About OCBC Housing Loans
Why Choose OCBC Home Loans for Your Mortgage?
OCBC Bank isn’t just one of Singapore’s oldest financial institutions — it’s a trusted partner for generations of homeowners and investors. With a strong track record of financial stability, customer-centric innovation, and award-winning service, OCBC continues to be a top choice for mortgage seekers in Singapore.
🏛️ Built on Heritage and Strength
Founded in 1932 from the merger of three local banks, OCBC is one of Singapore’s most established banks. Its long-standing reputation gives homebuyers confidence in the bank’s reliability, especially for important, long-term commitments like housing loans.
💡 Pioneering Digital Mortgage Experience
OCBC leads in providing a seamless digital mortgage journey, with instant loan approvals, e-document submissions, and online progress tracking — making the home financing process faster, easier, and fully remote if needed.
🏆 Highly Awarded and Customer-Centric
Recognized as one of the World’s Best Banks by Forbes and Global Finance, OCBC is known for responsive support, transparent communication, and customer-first mortgage solutions — critical factors when choosing a long-term banking partner.
📈 Transparent SORA-Pegged and Fixed Rates
OCBC offers clear, easy-to-understand loan packages pegged to the 3M SORA benchmark, along with competitive fixed-rate options. Borrowers appreciate the transparency and predictability that comes with OCBC’s market-driven approach.
Whether you’re buying your first flat, investing in private property, or refinancing for better savings, OCBC brings the strength, heritage, and innovation needed for a smooth home loan journey. At Ace Mortgage, we’ll help you navigate OCBC’s offerings and secure the best-fit package — with no hidden fees, no pressure.
🧾 OCBC Loan Types: Fixed, Floating, Eco-Care & BUC Explained
OCBC Bank is one of Singapore’s most established financial institutions — but what sets it apart is its blend of heritage strength and modern, customer-centric loan innovation. OCBC offers a comprehensive range of home loan packages structured around transparency, sustainability, and flexibility. Here’s a breakdown of the main OCBC loan types and what makes them stand out.
🔒 1. OCBC Fixed Rate Home Loan
OCBC’s fixed-rate packages are designed for borrowers who prioritize payment stability. With competitive fixed periods (usually 2 or 3 years), OCBC helps you lock in peace of mind — especially valuable during uncertain market conditions.
Best for: Homeowners seeking stable, predictable repayments
OCBC strength: Straightforward fixed-rate structures and flexible repricing options post-lock-in
🌊 2. OCBC Floating Rate Home Loan (SORA-Pegged)
OCBC offers transparent floating packages pegged directly to the 3-month SORA benchmark, without hidden spreads or internal board rates. Their clean floating options are ideal for buyers willing to ride market rates to secure lower overall costs.
Best for: Borrowers who want lower initial rates and market-linked transparency
OCBC strength: Fully MAS-compliant SORA-pegged loans with clear margin disclosures
🌱 3. OCBC Eco-Care Home Loan
Unique to OCBC, the Eco-Care Home Loan rewards borrowers for purchasing energy-efficient or sustainable homes. With bonus incentives, it supports Singapore’s green living initiatives while offering competitive financing rates.
Best for: Buyers of energy-efficient homes or eco-conscious investors
OCBC strength: Cash rebates and preferential rates for sustainable properties
🏗️ 4. OCBC BUC Loan (Building Under Construction)
OCBC’s BUC loan structure is highly favored by new launch condo buyers. Loans disburse progressively according to the construction schedule, with interest charged only on disbursed amounts — minimizing holding costs during the build phase.
Best for: Buyers of new launch condos, executive condominiums (ECs), or properties still under construction
OCBC strength: Smooth post-TOP conversion options and flexible lock-in structures
🔗 5. OCBC Bridging Loan
OCBC’s bridging loan provides fast short-term financing for buyers who need funds to complete their new purchase before selling their current property. Bundled easily with home loans, it allows a stress-free upgrade process.
Best for: Upgraders buying before completing the sale of their existing home
OCBC strength: No lock-in period, fast approval, and flexible bullet repayment terms
Why Choose OCBC?
OCBC isn’t just about offering a wide range of home loan packages — it’s about delivering a full-circle mortgage experience:
✅ One of the most trusted local banks for stability and heritage
✅ Eco-Care Home Loan promoting sustainability with rewards
✅ Transparent SORA-based packages with minimal hidden charges
✅ Fast digital application tools for seamless mortgage journeys
📈 Latest OCBC Home Loan Rates in Singapore
If you’re exploring home financing options, staying updated with the latest OCBC home loan interest rates is essential. Whether you’re a first-time buyer, upgrading to a private property, or refinancing your mortgage, OCBC offers a transparent, flexible, and competitive range of mortgage packages for every property type.
Unlike some banks that market teaser rates or short-term promos, OCBC maintains a clear, MAS-compliant rate structure — anchored by the reliable 3M SORA benchmark for floating packages and straightforward fixed-rate options.
Quick Snapshot of OCBC Home Loan Rates (May 2025)
| Loan Type | Rate Type | Interest Rate | Lock-In Period | Ideal For |
|---|---|---|---|---|
| HDB Loan | 2-Year Fixed | 2.55% p.a. | 2 years | First-time buyers wanting stability |
| HDB Loan | 3-Year Fixed | 2.60% p.a. | 3 years | Long-term owners preferring certainty |
| HDB Loan | Floating (3M SORA + 0.80%) | ~3.67% p.a. | 2 years | Buyers optimizing CPF usage |
| Private Property Loan | 2-Year Fixed | 2.55% p.a. | 2 years | Upgraders seeking predictability |
| Private Property Loan | 3-Year Fixed | 2.60% p.a. | 3 years | Investors aiming for stable returns |
| Private Property Loan | Floating (3M SORA + 0.80%) | ~3.67% p.a. | 2 years | Buyers betting on rate moderation |
🧠 How OCBC Rates Compare to Other Banks
OCBC doesn’t just compete based on pricing — it focuses on offering long-term value, transparency, and a customer-first digital mortgage experience. Homeowners often choose OCBC because:
✅ Clear SORA-based floating rates without hidden margin hikes
✅ Fast repricing options for existing customers after lock-in
✅ Eco-Care Home Loans for buyers of energy-efficient properties
✅ Award-winning digital application tools for speed and convenience
📅 Note on Rate Validity
OCBC interest rates are updated monthly or whenever market conditions change. All rates displayed here are indicative as of this month and may vary depending on loan size, credit profile, and property type.
📞 Speak to our team at Ace Mortgage Advisory to lock in the best available OCBC rates before they change.
✅ OCBC Home Loan Eligibility Criteria
Wondering if you qualify for an OCBC home loan in Singapore? Approval depends not only on your income level but also the type of income, its stability, and your ability to demonstrate sufficient financial reserves. Here’s what you need to know:
💼 Fixed Income Earners (Employees)
- If you’re employed full-time with a consistent monthly salary, OCBC typically assesses:
- Latest 3 months’ payslips and CPF contribution history
- Annual bonuses (partial consideration, depending on consistency)
- Stability of employment and salary trends
✅ Tip: You can usually qualify for an OCBC home loan with a gross monthly salary starting from around $2,500, provided your TDSR (Total Debt Servicing Ratio) remains within the 55% limit.
🧾 Self-Employed / Variable Income Earners
If you’re self-employed, commission-based, or operate your own business, OCBC usually requires:
- Last 2 years of NOA (Notice of Assessment)
- Latest 6 to 12 months of bank statements (personal or business)
- ACRA business registration (if applicable)
✅ Important: OCBC typically counts 70% of your declared income toward loan eligibility. Ensure your NOAs accurately reflect your real earnings for smoother approval.
💰 Pledged or Show Funds
(Supplementary Income Methods)
If your active income is insufficient to meet loan requirements, OCBC may allow:
Pledged assets: Fixed deposits, CPF savings, or cash pledged for 48 months
Show funds: Consistent high cash balances over the past 6–12 months to strengthen your application
These strategies are often used by:
- Retirees securing a new home
- Business owners with fluctuating incomes
- Young buyers leveraging family financial support
🔒 OCBC Home Loan Lock-In Period & Early Repayment Penalties
Understanding the lock-in period and potential early repayment penalties is essential when selecting an OCBC mortgage package. Whether you’re choosing a fixed-rate or floating-rate loan, being aware of the terms helps you plan refinancing strategies smartly — and avoid unexpected costs.
⏳ What Is the Lock-In Period?
The lock-in period is the minimum time you are committed to your OCBC home loan package. Redeeming your loan fully, refinancing externally, or breaking the terms during this period usually results in a penalty.
🏷 Mortgage Lock-In Period for Housing Loan Packages
| Loan Package | Typical Lock-In Period |
|---|---|
| 2-Year Fixed Rate | 2 years |
| 3-Year Fixed Rate | 3 years |
| Floating (3M SORA) | 2 years (standard) |
| Eco-Care Floating Package | 2 years |
| BUC Loan | Lock-in starts post-TOP |
💰 Early Redemption Penalty
If you fully redeem your OCBC loan during the lock-in period (whether due to property sale or external refinancing), OCBC typically charges:
1.5% of the redeemed loan amount
Example: Redeeming a $600,000 loan early → $9,000 penalty payable
✅ Partial prepayments are allowed, but specific conditions apply (see below).
✂️ Partial Prepayment Rules
| Timing | Prepayment Conditions |
|---|---|
| During Lock-In | Allowed up to 20% p.a. of original loan amount; advance notice required |
| After Lock-In | Flexible and penalty-free |
🔁 Repricing vs Refinancing
Repricing: Stay with OCBC but change to a new package — some OCBC packages offer one-time free repricing within or after the lock-in period (subject to negotiation).
Refinancing: Switch to another bank — penalty applies during lock-in.
🤝 Let Ace Mortgage Negotiate Better Terms for You
When you work with Ace Mortgage Advisory, we don’t just process your loan — we actively help negotiate better conditions, such as:
✅ Preferential rates based on your loan size or profile
✅ Shorter or no lock-in floating packages (if available)
✅ One-time free repricing options bundled in
✅ Flexible partial prepayment allowances
✅ Best of all — our service is 100% free, and you still enjoy OCBC’s full promotions and benefits.
🏦 Compare OCBC vs Other Banks for Home Loans in Singapore (2025)
Searching for the best home loan package in Singapore? OCBC stands out as one of the top choices — but how does it compare to other major banks like DBS, UOB, and Maybank?
Here’s a detailed breakdown of how OCBC measures up across key mortgage criteria, helping you make a fully informed decision before committing.
🏷 Key Features Comparison between OCBC, DBS, and UOB Home Loans
| Feature | OCBC | DBS | UOB | |
|---|---|---|---|---|
| Hybrid Loan Option | ❌ Not available | ✅ Two-In-One Home Loan combining fixed and floating rates | ❌ Not available | |
| Eco-Friendly Loan | ✅ Eco-Care Home Loan with preferential rates for energy-efficient homes | ❌ Not available | ✅ Go Green Home Loan offering cash rewards for sustainable features | |
| Digital Tools & Services | ✅ OCBC OneAdvisor with affordability calculators, instant loan approvals, and market insights | ✅ DBS MyHome Planner and Multiplier Account integration | ✅ UOB Home Solution for property valuations and fast online approvals | |
| Repricing Flexibility | ✅ Free switch to another pricing package after first year for eligible new loans | ✅ Repricing allowed after lock-in, with some free repricing options during lock-in | ✅ Free conversion for selected packages post lock-in |
🏠 Bank-Specific Highlights
OCBC – Sustainability and Digital Mortgage Leadership
Eco-Care Home Loan: Offers incentives for green-certified and energy-efficient homes, supporting Singapore’s move towards sustainable living.
Instant Digital Approvals: OCBC’s digital platform offers real-time loan approvals and affordability assessments to speed up the application journey.
Transparent SORA Packages: Clean, transparent floating rate options pegged to MAS-endorsed SORA benchmark with clear spreads.
🤝 Making the Right Choice
Every bank offers distinct advantages depending on your priorities:
✅ Choose OCBC if you value sustainability rewards, strong digital convenience, and transparent floating-rate packages.
✅ Choose DBS if you prefer innovative hybrid loan structures and integrated financial products.
✅ Choose UOB if you prioritize property valuation tools and eco-bonuses.
📞 Need Personalized Advice?
At Ace Mortgage Advisory, we compare loan packages across OCBC, DBS, UOB, Maybank, HSBC, and more. Let us help you find the mortgage solution best suited for your property goals — at no cost to you.
📝 How to Apply for an OCBC Home Loan (Step-by-Step Guide)
Whether you’re buying your first home, upgrading to private property, or refinancing an existing mortgage, applying for an OCBC home loan is a straightforward process — especially when you’re guided by experienced advisors.
Here’s how the OCBC home loan application process works in Singapore, and how Ace Mortgage Advisory makes it smooth and hassle-free for you.
✅ Step 1: Speak with an Advisor (Free Consultation)
Your journey begins with a quick call, WhatsApp chat, or meeting with one of our licensed mortgage advisors.
We’ll ask a few simple questions about:
Your property type (HDB, condo, landed, BUC)
Whether you’re purchasing or refinancing
Your income structure (fixed salary, self-employed, variable income)
Your target loan amount and preferred tenure
🔍 No paperwork needed yet — just a quick eligibility check and rate comparison.
✅ Step 2: Compare & Select the Right OCBC Package
We’ll present the latest OCBC home loan options, including:
Fixed-rate and SORA-pegged floating packages
Eco-Care Home Loan for sustainable properties
Lock-in periods, free repricing options, and CPF usage flexibility
Monthly repayment estimates
You’ll also get a side-by-side comparison with other banks, explained clearly for confident decision-making.
✅ Step 3: Submit In-Principle Approval (IPA) Application
Once you’ve selected your package, we’ll assist with your OCBC IPA submission.
📄 Required documents typically include:
NRIC (front & back)
Latest 3 months’ payslips or 2 years’ NOA (for self-employed)
CPF contribution history
Option to Purchase (OTP), if applicable
Latest 6 months’ bank statements (if self-employed or variable income)
We’ll handle everything via OCBC’s secure digital loan portal and keep you updated throughout.
✅ Step 4: Loan Approval & Acceptance
After your loan approval, we’ll guide you through:
Reviewing and explaining the OCBC Letter of Offer (LO)
Understanding key terms (lock-in periods, penalties, free repricing)
Liaising with your appointed lawyer and property agent
Once signed, OCBC proceeds to disburse your loan at completion.
✅ Step 5: Ongoing Support & Repricing Strategy
Our support continues even after your loan is disbursed. We’ll:
Track your lock-in expiry
Advise on timely repricing or refinancing
Ensure your OCBC loan remains competitive over the years
💡 Our service is 100% free — OCBC pays us a service fee, so you enjoy full promotions with no hidden costs.
🤝 Let Ace Mortgage Handle the Application for You
When you apply through Ace Mortgage Advisory:
No confusing forms or back-and-forth with OCBC
No time wasted comparing complex packages yourself
No additional costs — just fast, professional help
🚀 Apply for Your OCBC Home Loan Today (Fast, Free & Hassle-Free)
Found the perfect OCBC home loan package? Let us help you secure it — without the paperwork headaches.
At Ace Mortgage Advisory, we make it easy to apply for an OCBC mortgage, whether you’re buying, upgrading, or refinancing. Our licensed mortgage advisors will walk you through every step — from rate comparison to full approval — at absolutely zero cost to you.
✅ Why Apply Through Us?
✔ Access the Latest OCBC Rates & Exclusive Promotions
✔ Receive Unbiased Advice from Licensed Mortgage Specialists
✔ Avoid Common Pitfalls like hidden lock-ins, early redemption penalties, or CPF missteps
✔ Full Application Support — from forms to submissions to final loan approval
✔ 100% Free Service — enjoy OCBC’s best packages, and we’re paid by the bank (not you)
🗂 What You’ll Need to Get Started
Applying is simple — no OTP (Option to Purchase) required yet.
All we need are:
Your basic income details (fixed salary, self-employed, CPF usage, etc.)
Intended property type (HDB, condo, landed, BUC)
Loan purpose (new purchase, refinancing, equity loan)
📞 From there, we’ll guide you through the full application process — step by step.
💬 Ready to Get Started?
Click below to chat with a mortgage advisor instantly, or schedule a callback at your convenience.
⏱️ Takes less than 2 minutes. No fees, no pressure — just clear, expert help.
🏠 How to Apply for an OCBC Home Loan in Singapore
We’ll Process Your OCBC Home Loan Application
1. Compare OCBC Home Loan Packages
We help you compare OCBC fixed-rate, floating SORA-based, Eco-Care, and BUC loan packages — ensuring you choose the most cost-effective solution for your HDB, condo, landed, or new launch property.
2. Apply for In-Principle Approval (IPA)
We guide you through your OCBC IPA application, helping you confirm how much you can borrow — giving you confidence before committing to any property purchase or refinancing move.
3. Submit & Leave the Legal Work to Us
We coordinate directly with your lawyer and OCBC to handle the necessary paperwork, ensuring a smooth, stress-free journey toward your property completion.
4. Loan Disbursement
Upon successful completion, OCBC will disburse your home loan — whether it’s for collecting the keys to your new home or enjoying immediate savings from your refinancing.
Hi Ace Mortgage, thank you so much for helping us secure our BTO loan! Your explanation on CPF usage and MSR was super clear — really helped us feel confident signing the papers!
Alvin & Shermaine
First-timer Home Owners
Appreciate the fast response and honest advice. I compared 4 banks but your recommendation turned out to be the best fit for my needs. Zero fees and fuss-free!
Desmond Tay
IT Engineer
Honestly, I didn’t know where to start with refinancing, but you guys guided me through every step. Thank you for helping me save on interest!
Shermaine Goh
Housewife
感谢 Ace Mortgage 帮助我们办理公寓贷款！你们提供的比较明细让我们很容易就做出了决定。
王丽文
Chinese National (PR)
Was worried about my income structure, but Ace Mortgage helped me use the show funds method and explained everything patiently. Highly recommend!
Leslie Chen
Business Owner
We just got our IPA approved thanks to your guidance! The whole process was way smoother than we expected. Super thankful 🙏
Darren & Jerlyn
New Homeowners
Shoutout to Ace Mortgage for being so prompt and detailed. Explained lock-in periods and penalties clearly — now I finally understand what I’m signing!
Julian S.
Foreign Investor
Great experience working with your team. Transparent, responsive, and no sales pressure at all. Wouldn’t have gotten this deal directly with the bank
Mdm Tan
Teacher
Get Expert Help with Your OCBC Home Loan — At Zero Cost
Our OCBC home loan advisory service is 100% free. Whether you’re choosing between fixed, floating, or Eco-Care packages — or refinancing your existing property — our licensed consultants will guide you through every step, ensuring you make the smartest decision for your needs.
Comprehensive Mortgage Advisory Services
Take up a housing loan with your preferred bank:
Refinance or New Property Loan for All Property Types:
Get Home Loan IPA & Calculate Affordability:
Join other homeowners
in Singapore
Get insider mortgage tips, exclusive rate updates, and smart property insights — straight to your inbox.
Not sure how to calculate stamp duty in Singapore? No worries — simply key in your property price and our smart Buyer Stamp Duty Calculator will do the math for you. Whether you’re a first-time buyer or upgrading your home, this tool helps you understand how to calculate Buyer Stamp Duty under the latest IRAS guidelines.
Our free stamp duty calculator gives you an instant estimate of:
- Your Buyer’s Stamp Duty amount (based on type and price of property)
- Your Additional Buyer’s Stamp Duty amount (based on buyer’s profile, residency status, number of properties owned, and price)