Private Property Loans & Mortgage Rates in Singapore (2025)

Secure the best mortgage packages for landed homes, condominiums, and residential properties — with tailored solutions.

Private Property Financing

Whether you're purchasing a landed home, a condominium, or a cluster house, we help you compare top mortgage offers across Singapore banks — ensuring you structure your loan smartly for your unique needs.

New Loan Refinancing

Mortgage Loan Rates from All 16 Banks

Choosing the Right Private Property Loan

Planning to purchase a landed home, luxury condominium, or cluster house? Whether you're financing your dream residence or a prestigious investment, securing the right private property loan is crucial to protect your cash flow, optimize CPF usage, and plan for future refinancing flexibility.

At Ace Mortgage Advisory, we simplify the complex world of private property financing — comparing rates across banks, tailoring loan structures to your income profile, and ensuring you secure the best possible terms for your property ambitions.

Access to Better Mortgage Rates

For high-value private properties, banks often offer preferential rates through priority or private banking — giving you access to lower interest rates not available to mass-market borrowers.

Flexible Loan Structuring

Private property loans allow greater flexibility in structuring income proof (especially for business owners and investors) and loan profiles — including pledge income, show funds, and joint applicants to maximize loan eligibility.

Higher Loan Amounts

With higher property values, banks offer larger loan quantum options (often $1M+) and customizable loan tenures up to 30 years, depending on your age and property type.

Fixed, Floating, or Hybrid Packages

Borrowers can choose between fully fixed rates for stability, floating rates pegged to 3M SORA for market savings, or hybrid (part-fixed, part-floating) packages to balance risk and opportunity.

Flexible Loan Structuring

We help you strategically plan how to use your CPF funds vs cash savings for maximum long-term benefits — whether it’s minimizing interest costs or preserving CPF for retirement.

Free Loan Consultation

Our licensed consultants provide free, unbiased advice across all banks — explaining complex terms like TDSR, LTV, legal subsidies, and structuring strategies to optimize your financing journey.

Latest Rates from Private Home Loan Lenders & Banks (2025)

Today’s property buyers can choose from a wide range of bank home loan packages — including attractive fixed-rate options, SORA-pegged floating rate packages, and even hybrid loans combining both — depending on your financing strategy and risk appetite.

Below, we break down the latest private property loan choices from major banks in Singapore — so you can secure the most cost-effective, flexible solution for your real estate goals.

🔒 Fixed Rate Private Property Loan Packages

Compare Fixed Rate Private Property Loan Packages (June 2025)

Bank	2-Year Fixed Rate	3-Year Fixed Rate
DBS Bank	2.50% p.a.	2.55% p.a.
OCBC Bank	2.55% p.a.	2.60% p.a.
UOB Bank	2.58% p.a.	2.63% p.a.
Maybank	2.53% p.a.	2.58% p.a.
HSBC Singapore	2.54% p.a.	2.59% p.a.

Rates are indicative and subject to change. Actual rates may vary based on loan amount, tenure, and borrower profile. 💬 Contact our mortgage advisors to secure potentially lower rates than listed.

💡 Who This Is For

Homebuyers seeking stable financing for a landed house, luxury condo, or non-HDB property — especially those exploring fixed-rate options from banks or evaluating alternatives to private home loan lenders. Ideal for those who prefer certainty over the volatility of floating-rate packages in Singapore’s private property loan market.

👍 Key Benefits

Fixed interest rate lock-in for 2 to 3 years, offering repayment stability
Monthly installments remain predictable throughout the lock-in period
Shields you from rising SORA-linked rates and global market fluctuations
Helpful for long-term private housing loan planning, especially for large loan sizes

⭐ Ideal for:

Anyone financing a private home loan in Singapore — including buyers of new launches or resale units. Whether you’re comparing rates from major banks or weighing alternatives to private lenders for home loans, this package offers assurance. It’s also suitable for those reviewing private house loan rates from regulated lenders instead of private mortgage lenders or home loans from unregulated sources.

Whether you’re planning with private property loan calculators or reviewing options with trusted mortgage loan private lenders, fixed-rate plans from banks remain a reliable choice for property buyers seeking structure and peace of mind.

🌊Floating Rate Private Property Loans (3M SORA Pegged)

Compare Floating Rate Private Property Loan Packages (3M SORA Benchmark) (June 2025)

Bank	Floating Rate (3M SORA + Spread)	Estimated Effective Rate	Lock-In Period
DBS Bank	3M SORA + 0.80%	~3.67% p.a.	2 years
OCBC Bank	3M SORA + 0.80%	~3.67% p.a.	2 years
UOB Bank	3M SORA + 0.85%	~3.72% p.a.	2 years
Maybank	3M SORA + 0.75%	~3.62% p.a.	2 years
HSBC Singapore	3M SORA + 0.78%	~3.65% p.a.	2 years

Rates are indicative and subject to change. Actual rates may vary based on loan amount, tenure, and borrower profile. 💬 Contact our mortgage advisors to secure potentially lower rates than listed.

💡 Who This Is For

Private property buyers or homeowners looking to refinance — especially those financing landed houses, cluster homes, or high-end condos — who prefer lower starting rates and are open to short-term market fluctuations. This is a good match for borrowers comparing private home loan packages from banks versus private home loan lenders or private mortgage lenders.

👍 Key Benefits

✅ Lower initial interest rates than most fixed-rate private housing loans
✅ Transparent pricing linked to the MAS-endorsed 3M SORA benchmark
✅ Benefit from falling rates, or switch to a fixed option later
✅ Flexible repricing or refinancing available after lock-in
✅ Suitable for investors or long-term planners who want control over financing strategies

⭐ Ideal for:

Borrowers seeking a competitive private property loan in Singapore — whether you’re comparing bank financing with home loans from private lenders, exploring private house loan alternatives, or reviewing offers from private lenders for home loans. Floating rates are often favored by CPF-maximizing buyers or those confident in managing market-driven rate changes.

This plan fits those planning for mid- to high-value private property purchases who are keen to balance cost efficiency with future refinance or repricing flexibility — without committing to higher fixed rates from the outset.

🛠️Private Property Renovation Loans (Optional Financing for Upgrades)

Private Property Renovation Loan for Landed Homes, Condos & Cluster Houses (2025)

Feature	Details
Maximum Loan Amount	Up to $100,000 (or 6x monthly income, whichever is lower)
Loan Tenure	1 to 5 years
Interest Rates	Typically 3% to 5% p.a. (flat rate basis)
Eligible Renovation Works	Major upgrades like flooring, carpentry, kitchen fittings, electrical works, bathrooms, landscaping
Proof Required	Contractor quotation or invoice needed at point of application
Lock-In Period	None (personal installment loan structure)

📌 Terms may vary slightly between banks. Always review final offers carefully.

After securing your private property mortgage, you may also need additional financing to renovate, upgrade, or personalize your new home to suit your lifestyle.

Many banks in Singapore offer specialized Renovation Loans tailored for private property owners — making it easier to fund major renovations affordably without dipping heavily into CPF or savings.

💡 Key Benefits of Private Property Renovation Loans:

✅ Lower interest rates compared to typical personal loans
✅ Fixed monthly repayments for easier cash flow planning
✅ No CPF withdrawal required — preserve CPF for other investments
✅ Fast approvals, usually within 1–2 working days
✅ Ideal for landed property major works, condo interior upgrades, or cluster house customizations

⚡ Common Banks Offering Renovation Loans for Private Properties:

DBS Renovation Loan
OCBC Renovation Loan
Maybank Renovation Loan
CIMB Renovation Loan
Standard Chartered Renovation Loan

🏗️ Building Under Construction (BUC) Loans for Private Properties

How BUC Loans Work for Private Condominiums and Landed Homes (2025 Guide)

Property Type	Can Use BUC Loan?	Notes
New Launch Condominium	✅ Yes	BUC loans available with progressive payment schedules
Executive Condominium (EC)	✅ Yes	BUC loans available from private banks (after 5-year MOP resale phase)
Landed Property (New Build)	✅ Yes	BUC loans available if purchasing directly from developer
Resale Private Condo or Landed	❌ No	Full loan disbursed immediately upon purchase completion

📌 Terms and eligibility criteria may vary between banks and project types.

💡 Why BUC Loans Are Ideal for Private Properties:
✅ Progressive payments ease cash flow during multi-year construction
✅ Interest is charged only on disbursed amounts — not on the total loan upfront
✅ Upon Temporary Occupation Permit (TOP), your loan converts automatically to a standard housing loan
✅ Flexible refinancing or repricing options usually available post-TOP

👍 Key Takeaways:
BUC loans are only for new launch private condominiums, new build landed properties, and executive condos purchased before completion.

No BUC loan applies if you’re buying a completed resale property (whether condo or landed).

Planning ahead with a BUC loan can help optimize your CPF and cash utilization during construction.”

✅ Need Help Planning Your Private Property Loan?
At Ace Mortgage Advisory, we specialize in:

✅ BUC loan applications across major banks
✅ Preparing for seamless loan conversion at TOP
✅ Advising on CPF usage, lock-ins, and refinancing strategies

🔗 Private Property Bridging Loans (For Upgraders and Movers)

Compare Private Property Bridging Loan Options in Singapore (June 2025)

Feature	Details
Interest Rate	From ~4.00% to 4.50% p.a. (linked to Prime Rate)
Tenure	Up to 6 months
Lock-In Period	None
Repayment Type	Bullet repayment upon sale of existing property

📌 Rates are indicative as of May 2025 and subject to change. Terms vary based on loan amount, property type, and borrower profile.

💡 Who This Is For:
Private homeowners — whether selling a condo, cluster house, or landed property — who need upfront cash flow to purchase a new property before the sale of their existing home is legally completed.

👍 Key Benefits:
✅ Immediate cash access to secure your next property without waiting for the sales proceeds
✅ Lump-sum repayment flexibility once the sale completes
✅ No lock-in periods or early repayment penalties
✅ Helps prevent missed opportunities in a competitive private property market
✅ Particularly useful for buyers upgrading from one private property to another”

🧠 Important Note:
Bridging loans are short-term loans and typically must be repaid within 6 months.

It is usually bundled together with your new private property housing loan for smoother processing.

Compare Private Property Loan Packages from Private Home Lenders

Finding the right mortgage package for your private property is critical to protecting your cash flow, maximizing CPF and cash usage, and achieving long-term financial security. Whether you're buying a landed home, a luxury condominium, a cluster house, or refinancing an existing private mortgage, Singapore’s top banks offer flexible and competitive loan solutions tailored to your goals.

Access attractive fixed-rate, floating-rate, and hybrid packages from leading banks
Choose the best loan structure based on TDSR limits, CPF optimization, and investment strategy
Receive expert advice on eligibility, refinancing windows, and repricing strategies
Enjoy a smooth, fully supported application journey — from consultation to loan disbursement

Private Housing Loan for Landed Homes, Condos, and Cluster Houses

Buying a private residential property is a major life and investment milestone. Choosing the right mortgage is essential to safeguarding your financial future and optimizing your homeownership journey. We help you compare the latest interest rates, understand eligibility calculations, structure your CPF and cash outlay smartly, and make informed decisions — so you can finance your dream property with full confidence.

Compare private property loan rates (fixed, floating, hybrid packages)
Understand TDSR calculations, CPF utilization limits, and loan structuring
Explore preferential packages for high-value property financing
Get expert advice on refinancing strategies for bigger long-term savings

Fast-Track Your Private Housing Loan Approval — Without the Paperwork Hassle

Securing early loan approval is critical when you're buying or refinancing a private property — especially for high-value homes where financing complexity is higher. At Ace Mortgage Advisory, we simplify everything — comparing bank packages, managing all paperwork, and handling submissions on your behalf, so you can focus on your property goals stress-free.

Quick eligibility checks — no heavy documents needed at the start
Fast In-Principle Approval (IPA) to lock in your loan amount and property purchase
Step-by-step CPF and cash flow optimization planning
Full coordination with banks, lawyers, and property agents — at zero cost to you

Get Personalised Advice on Private Mortgage Lenders

✅ Private property mortgage specialists with real market expertise
✅ Unbiased advice tailored to your financial profile and property goals
✅ Fast, hassle-free guidance on TDSR planning, CPF usage, and refinancing strategies

All You Need to Know About Private Property Housing Loans

Latest Private Property Loan Rates in Singapore

When financing a private property — whether it’s a condominium, landed house, or cluster home — keeping up-to-date with the latest mortgage rates is essential.
Interest rates directly impact your monthly repayments, total borrowing costs, and overall investment returns.

In Singapore, private property loans typically fall into two main structures:
➔ Fixed-Rate Packages
➔ Floating-Rate Packages (pegged to 3M SORA)

Here’s a quick comparison of current private property loan rates across major banks:

Compare Private Property Home Loan Rates Across Banks (June 2025)

Bank	2-Year Fixed Rate	3-Year Fixed Rate	Floating Rate (3M SORA + Spread)
DBS Bank	2.50% p.a.	2.55% p.a.	3M SORA + 0.80% (~3.67% p.a.)
OCBC Bank	2.55% p.a.	2.60% p.a.	3M SORA + 0.80% (~3.67% p.a.)
UOB Bank	2.58% p.a.	2.63% p.a.	3M SORA + 0.85% (~3.72% p.a.)
Maybank	2.53% p.a.	2.58% p.a.	3M SORA + 0.75% (~3.62% p.a.)
HSBC Singapore	2.54% p.a.	2.59% p.a.	3M SORA + 0.78% (~3.65% p.a.)

Rates are indicative and subject to change. Actual rates may vary based on loan amount, tenure, and borrower profile. 💬 Contact our mortgage advisors to secure potentially lower rates than listed.
💡 Quick Insights:

✅ Fixed-Rate Packages:
Provide payment stability and protection against rising interest rates — ideal for long-term planners and family buyers.

✅ Floating-Rate Packages (3M SORA Pegged):
Offer potentially lower initial rates and track market interest rates closely — suitable for buyers who can manage rate fluctuations.

✅ Hybrid Options:
Some banks offer hybrid packages (e.g., half fixed, half floating) for private property owners seeking flexibility and partial rate protection.

🧠 Why Keeping Track of Rates Matters:

A 0.10% difference in interest rates could translate into tens of thousands of dollars saved over a 20–30 year loan.

Knowing when to refinance can help you lock in lower rates and minimize long-term interest costs.

Private property loans involve larger quantum amounts — even small optimizations in your interest rate structure have massive impact.

At Ace Mortgage Advisory, we help you:

Access unpublished preferential rates from banks

Compare fixed, floating, and hybrid options side-by-side

Customize your loan based on property type and cash flow goals

🟢💬 Speak to Our Mortgage Advisors Today — 100% Free Advice!

Private Property Types and How Financing Differs

When applying for a private property loan in Singapore, it’s important to understand how different property types affect financing requirements, bank policies, and even Loan-to-Value (LTV) limits.

Private residential properties generally fall into three categories:
➔ Condominiums
➔ Landed Properties
➔ Cluster Houses / Strata Landed Homes

Each comes with its own financing nuances.

Types of Private Properties and Loan Considerations

Property Type	Description	Financing Notes
Condominium	High-rise apartment units with shared facilities (pools, gyms, security)	Standard bank loans apply; easier approval for completed projects
Landed Property	Terrace, semi-detached, bungalow, good class bungalow (GCB)	Stricter bank assessments; may require higher cash/CPF buffers
Cluster House / Strata Landed	Combines landed living with condo facilities	Bank loans treat as landed property but often with easier valuation

🧠 Important Things to Know by Property Type:

✅ Condominiums:
Easiest to finance among private properties. Banks typically offer preferential rates for completed condos due to strong liquidity and resale value.

✅ Landed Properties:
Banks assess landed property buyers more conservatively.

Valuation checks are stricter.

Cash/CPF downpayment flexibility may be slightly tighter.

Loan approval may depend more heavily on borrower income stability.

✅ Cluster Houses / Strata Landed:

Legally considered landed properties, but because they come with shared condo-like facilities, valuations are often smoother and bank acceptance is higher compared to pure landed homes.

💡 Quick Tips When Choosing Your Property Type:

Buying a New Launch (Uncompleted)?
You may need a BUC (Building Under Construction) loan first, then convert post-TOP.

Purchasing a Completed Condo or Landed Home?
Standard private property loan structures apply immediately.

Buying a Cluster House?
Confirm if it’s classified as landed or condo title — this affects CPF usage limits and legal structuring slightly.

🟢💬 Speak to a Mortgage Expert Today — 100% Free Advisory

Fixed vs Floating Rate Home Loans for Private Properties

When choosing your private property loan package, one of the most important decisions is whether to opt for a fixed rate or floating rate mortgage.

Each option has its own advantages depending on your financial goals, risk appetite, and interest rate outlook.

Here’s a breakdown to help you decide smarter:

Fixed Rate vs Floating Rate Private Property Loans (2025 Comparison)

Feature	Fixed Rate Package	Floating Rate Package (3M SORA Pegged)
Interest Rate Stability	Locked for 2–3 years	Fluctuates based on market SORA rate
Initial Interest Rate	Slightly higher than floating at start	Typically lower than fixed rates initially
Monthly Repayments	Stable and predictable	Varies if SORA benchmark moves
Suitable For	Risk-averse buyers who prefer certainty	Buyers willing to ride short-term rate movements
Repricing Flexibility	Switchable after lock-in	Often easier to reprice or refinance
Best Used When	Expecting rising interest rate environment	Expecting stable or falling interest rate environment

📌 Rates and conditions are indicative. Actual packages vary depending on the bank and your eligibility.

💡 How to Choose Between Fixed and Floating:

✅ Choose Fixed Rate If:

You want peace of mind with consistent monthly repayments

You’re buying a long-term family home and value budgeting certainty

You expect market interest rates to rise significantly soon

✅ Choose Floating Rate If:

You’re financially flexible and can tolerate some fluctuations

You plan to refinance within a few years to chase lower rates

You expect market interest rates to remain stable or trend downward

🧠 Special Note on Hybrid Packages:

Some banks now offer Hybrid Loans —
➔ 50% Fixed + 50% Floating
giving you partial protection while enjoying some flexibility.

Hybrid packages are popular for private property buyers who want to hedge their risk without fully committing to one side.

(Example: DBS Two-In-One Loan, HSBC SmartMortgage)

At Ace Mortgage Advisory, we:

✅ Analyze your financial profile and property goals
✅ Recommend the best-fit fixed, floating, or hybrid package
✅ Monitor rates even after your loan approval for future savings

🟢💬 Speak to a Mortgage Expert Today — 100% Free Consultation

Private Property Loan Eligibility Criteria in Singapore

Whether you’re buying a condominium, landed home, or cluster house, getting your private property loan approved depends on more than just your income.

Banks in Singapore follow strict Monetary Authority of Singapore (MAS) guidelines when assessing mortgage applications — focusing on affordability, stability, and overall financial health.

Here’s what you need to know before applying:

Key Private Property Loan Eligibility Factors (2025)

Eligibility Factor	Requirement
Income Type	Fixed salary, commission-based, self-employed income accepted
Minimum Gross Income	No official minimum, but ~$3,000/month for Singaporeans is preferred
TDSR (Total Debt Servicing Ratio)	Max 55% of gross monthly income (across all debts)
Loan-to-Value (LTV) Limits	Up to 75% for first housing loan
Age Restrictions	Loan must typically be fully repaid by age 65 or 75 (depending on bank)
CPF Usage	Allowed for downpayment and monthly repayments (up to certain limits)
Citizenship Status	Singaporeans, PRs, and foreigners eligible (terms vary)

🧠 Special Notes:

✅ TDSR (Total Debt Servicing Ratio):

Includes ALL your financial obligations — car loans, credit cards, personal loans, property loans.
If your monthly debt repayments exceed 55% of gross monthly income, banks may approve a lower loan quantum or decline.

✅ Self-Employed or Variable Income:

70% of your average declared income (based on latest 2 years NOA) is typically considered.
Banks may require 6–12 months of bank statements to verify cash flow.

✅ Loan-to-Value (LTV) Caps:

First Property Loan: Up to 75% financing
Second Property Loan: Up to 45% financing
Third Property Loan: Up to 35% financing

✅ CPF Usage:

CPF Ordinary Account (OA) can be used for:
Part of the downpayment
Monthly repayments
Cash payment is still required for 5% of the purchase price minimum.

✅ Foreigners:

Can generally apply for private property loans.
Some banks may offer slightly lower LTV (e.g., up to 70%) for non-residents.

💬 Unsure If You Qualify?

At Ace Mortgage Advisory, we offer:

✅ Free Eligibility Assessments
✅ TDSR & CPF Calculations
✅ Custom Loan Simulations
✅ Best bank matching based on your profile

🟢💬 Check Your Private Property Loan Eligibility Today — No Cost, No Pressure!

🔒 Lock-In Periods and Early Repayment Penalties for Private Property Loans

When you take a private property loan in Singapore, understanding the lock-in period and early repayment penalties is crucial.
It can mean the difference between thousands of dollars saved — or lost — when you refinance, upgrade, or sell your property.

Here’s what you need to know:

Typical Lock-In and Penalty Terms for Private Property Loans (2025)

Loan Type	Lock-In Period	Early Redemption Penalty	Partial Prepayment Policy
Fixed Rate Packages	2 to 3 years	1.5% of redeemed loan amount	Allowed up to 20% p.a. during lock-in (notice required)
Floating Rate Packages (SORA)	0 to 2 years (varies)	1.5% during lock-in, none after	Allowed up to 20% p.a. during lock-in (advance notice)
Hybrid Packages	2 years (standard)	1.5% applies if redeemed during lock-in	Flexible partial prepayment options

📌 Terms may vary depending on bank, loan size, and borrower profile. Our mortgage advisors can help you negotiate a better deal.

🧠 Key Points to Understand:

✅ Lock-In Period
The minimum period you must hold your loan before you can refinance, redeem, or restructure without penalty.

Most packages: 2 years (some offer 3 years for better fixed rates)

Some floating packages: No lock-in options available (premium pricing)

✅ Early Redemption Penalty
Charged if you pay off your entire loan during the lock-in period.

Standard penalty: 1.5% of the outstanding loan amount

Example: $800,000 loan early redeemed = $12,000 penalty

✅ Partial Prepayment
Most banks allow you to repay up to 20% of the original loan amount per year during lock-in without full penalty — provided you give advance written notice (usually 1–2 months).

✅ Repricing vs Refinancing

Repricing: Switch to another loan package within the same bank (may have minimal fees).

Refinancing: Move your loan to another bank (penalty applies if done during lock-in).

✅ Legal Subsidy Clawbacks
If you enjoy legal subsidies under your initial package and redeem or refinance early (typically within 3 years), banks may claw back these legal cost subsidies (~$2,000–$2,500).

💬 How Ace Mortgage Advisory Helps You:

✅ Identify packages with shorter or no lock-in periods if flexibility is key
✅ Negotiate for free repricing options during lock-in where possible
✅ Advise you on partial prepayment strategies to save interest cost
✅ Plan ahead for refinancing to optimize your mortgage savings

🟢💬 Speak to Our Mortgage Experts for a Free Loan Structuring Session!

🏦 Comparing Private Property Home Loans Across Major Banks

Choosing the right bank for your private property loan can make a significant difference in both upfront savings and long-term costs.
While many banks offer competitive rates, each bank has unique strengths depending on your property type, loan size, refinancing plans, and personal profile.

Here’s a detailed side-by-side comparison:

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

Feature	DBS Bank	OCBC Bank	UOB Bank	HSBC Singapore	Maybank
Fixed Rate Packages	Competitive, popular for stability	Competitive, slightly higher rates	Moderate, strong hybrid options	Premium packages for high-value loans	Attractive rates for standard loans
Floating Rate Packages (3M SORA)	Transparent and clean spreads	Transparent, Eco-Care floating available	Slightly higher spreads	Premium SORA packages with flexibility	Lower spreads for select borrowers
Hybrid Loan Option	✅ Two-In-One fixed-floating loan	❌ Not available	❌ Not available	✅ SmartMortgage hybrid packages	❌ Not available
Digital Application Tools	MyHome Planner for eligibility and affordability	OCBC OneAdvisor instant approvals	Instant valuation and approval tools	HSBC Mortgage Connect platform	Digital submission, manual approvals
Eco-Friendly Incentives	❌ None	✅ Eco-Care Home Loan	✅ Go Green Home Loan	✅ Sustainability-linked loans	❌ None
Repricing Flexibility	1x free repricing in some packages	Free switch after 1 year	Flexible repricing depending on package	Repricing fees may apply	Free repricing in many packages

💡 Key Observations:

✅ DBS:
Top choice for stability-focused buyers who want predictable repayment structures (especially for completed condos).

✅ OCBC:
Good for buyers interested in digital efficiency and eco-friendly incentives (e.g., Eco-Care Home Loan).

✅ UOB:
Appeals to landed property buyers and cluster home buyers looking for strong traditional banking support.

✅ HSBC Singapore:
Ideal for higher-net-worth borrowers financing luxury condos, cluster houses, or landed properties — with premier service.

✅ Maybank:
Attractive for price-sensitive buyers seeking good promotional rates without extensive frills.

🧠 Tips for Choosing the Best Bank:

If you value digital convenience and fast approvals, consider OCBC or DBS.
If you prefer stability and premium service, HSBC could be a strong contender.
If you want the lowest starting rates for floating packages, Maybank often runs competitive promotions.
If you’re purchasing a landed property, UOB offers strong experience with high-value mortgages.

💬 Need Help Finding the Right Bank? At Ace Mortgage Advisory, we:

✅ Compare all major banks’ packages side-by-side for you
✅ Analyze your profile for maximum eligibility and savings
✅ Help you secure exclusive rates and hidden promotions

🟢💬Speak to Our Mortgage Advisors Today — 100% Free Expert Advice!

📝 How to Apply for a Private Property Loan in Singapore (Step-by-Step Guide)

Applying for a private property loan is an exciting step — whether you’re buying a new condominium, upgrading to a landed home, or refinancing your investment property.
At Ace Mortgage Advisory, we simplify the process for you, ensuring a fast, smooth, and stress-free experience.

Here’s how the application journey works:

✅ Step 1: Speak with an Advisor (Free Consultation)
Start by connecting with our licensed mortgage advisors through WhatsApp, call, or in-person meeting.
We’ll ask you a few simple questions:

Are you buying, refinancing, or doing equity cashout?

What property type? (Condo, landed, cluster home)

Your income structure: fixed salary, self-employed, or commission-based?

CPF usage plans and estimated loan amount?

🔍 No paperwork required yet — just a free eligibility check and mortgage planning discussion.

✅ Step 2: Compare Loan Options and Get Custom Quotes
We’ll present you with a customized shortlist of top mortgage offers, including:

Fixed-rate and floating-rate packages

Hybrid or Go Green options (if relevant)

Lock-in periods, free repricing, and promotional perks

You’ll see side-by-side comparisons from DBS, OCBC, UOB, HSBC, Maybank, and others — explained clearly with full repayment projections.

✅ Step 3: Submit Your In-Principle Approval (IPA) Application
Once you’ve selected a preferred package, we assist you with the IPA submission.
Documents typically required:

NRIC (front and back)

Latest 3 months’ payslips (or 2 years’ NOA for self-employed)

CPF Contribution History (for salaried individuals)

Option to Purchase (OTP) if already secured

Latest 6–12 months’ bank statements (for variable income earners)

💻 We handle the entire submission digitally — through the bank’s secured online portal.

✅ Step 4: Get Official Loan Approval & Accept the Letter of Offer (LO)
Once your loan is approved:

We review and explain the Letter of Offer (LO) with you

Clarify lock-in terms, penalties, partial prepayment rules, etc.

Coordinate with your appointed law firm for conveyancing

You can then sign the LO, lock in your interest rate, and proceed to completion.

✅ Step 5: Disbursement & Post-Approval Support
After signing, the bank disburses the loan on the completion date, and you:

Collect your keys (for purchases)

Enjoy interest savings (for refinancing)

We continue to monitor your mortgage periodically, advising you when it’s a good time to reprice or refinance for additional savings.

💡 Why Apply Through Ace Mortgage?

✅ Personalized mortgage matching — based on your financial goals
✅ Free service — banks pay us, you get full promotions and rates
✅ No confusing forms — we handle the entire process for you
✅ Ongoing support even after your loan is approved

🟢💬 Get Your Private Property Loan Approved the Easy Way — Speak to Us Today!

🚀 Apply for Your Private Property Loan Today (Fast, Free & Hassle-Free)

Ready to secure the best mortgage for your private condominium, landed home, or cluster house?
At Ace Mortgage Advisory, we make the process simple, fast, and worry-free — so you can focus on your property goals while we handle the paperwork.

Applying through us means you get expert advice, full support, and exclusive bank rates — all at zero cost to you.

✅ Why Apply Through Ace Mortgage Advisory?

✔ Access the latest bank promotions and hidden rate discounts
✔ Get unbiased recommendations across all major banks
✔ Avoid costly mistakes with lock-ins, penalties, or CPF usage
✔ Full coordination from loan submission to disbursement
✔ Ongoing repricing and refinancing support after approval
✔ 100% Free service — we’re paid by the banks, not you

🗂 What You’ll Need to Get Started:

No need for full documents immediately!

We can start with just:

Your basic income information (fixed salary, self-employed, CPF contributions)
Your intended property type (condo, landed home, cluster house)
Your objective (purchase, refinance, or equity loan)

📋 Later, we’ll help you compile:

NRIC copies
Payslips / Notice of Assessment (NOA)
CPF statements
Option to Purchase (if applicable)

🧠 Quick Note:

✅ Whether you’re buying a resale condo, a landed home, a new launch project, or refinancing your existing mortgage — applying through Ace Mortgage saves you time, money, and unnecessary stress.

✅ We can help you secure better rates, maximize your loan eligibility, and strategically structure your loan for the long term.

🟢💬 Ready to Get Started?

Click below to chat with one of our licensed mortgage advisors immediately.

No hard selling — just expert advice tailored to your needs.

🟢💬 Apply Now via WhatsApp

⏱️ Takes less than 2 minutes. No fees, no pressure — just clear, expert help.

🏠 How to Apply for a Private Property Loan in Singapore

We’ll Process Your Private Property Home Loan Application

1. Compare Private Property Loan Packages

We compare fixed, floating (SORA), and hybrid home loans from DBS, OCBC, UOB, HSBC, and more—whether you're buying or refinancing, we find the best deal for your property goals.

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2. Apply for In-Principle Approval (IPA)

Before you buy or refinance, we help you secure a bank In-Principle Approval (IPA) to confirm your loan eligibility, CPF usage, cash requirements, and monthly repayments.

Apply for IPA Now

3. Submit & Leave the Legal Work to Us

After IPA, we handle your Letter of Offer, liaise with lawyers and banks, and manage all paperwork to ensure a smooth, compliant, and stress-free purchase or refinance process.

Speak to a Mortgage Expert

4. Loan Disbursement

Once legal completion is done, your loan is disbursed, keys collected (or savings begin if refinancing), and we continue tracking your mortgage to help you optimize future savings.

Get Started Today

Get Expert Help with Your Private Property Loan — At Zero Cost

Our private property mortgage advisory service is 100% free.
Whether you’re choosing between fixed-rate, floating-rate (SORA-pegged), or hybrid packages — or refinancing your existing private home loan — our licensed consultants will guide you through every step, ensuring you secure the best mortgage solution tailored to your property ambitions.