UOB Home Loan Rates & Packages in Singapore (2025)

🧾 UOB Loan Types: Fixed, Floating, Go Green & BUC Explained

UOB is one of Singapore’s most trusted financial institutions — renowned for its conservative strength, financial prudence, and steady customer-first approach. UOB offers a comprehensive selection of home loan packages centered around transparency, sustainability, and long-term stability. Here’s a breakdown of the main UOB loan types and what makes them stand out.

🔒 1. UOB Fixed Rate Home Loan
UOB’s fixed-rate packages are built for borrowers seeking payment certainty. With attractive fixed periods (typically 2 or 3 years), UOB enables homeowners to lock in consistent monthly repayments — a crucial advantage during periods of economic uncertainty.

Best for: Homeowners who prioritize stable, predictable monthly costs
UOB strength: Clear fixed-rate options with smooth transition to repricing after lock-in

🌊 2. UOB Floating Rate Home Loan (SORA-Pegged)
UOB offers transparent floating packages pegged directly to the 3-month SORA benchmark, ensuring fair and market-driven pricing without hidden mark-ups or board rate fluctuations.

Best for: Borrowers who prefer potentially lower starting rates and transparent market linkage
UOB strength: MAS-compliant, SORA-pegged floating loans with straightforward margins

🌱 3. UOB Go Green Home Loan
Supporting Singapore’s sustainable future, UOB’s Go Green Home Loan rewards buyers of energy-efficient and eco-certified homes with cash rebates — promoting green living while offering competitive rates.

Best for: Buyers of BCA Green Mark-certified properties or eco-conscious investors
UOB strength: Cash rewards for sustainable property purchases and flexible rate options

🏗️ 4. UOB BUC Loan (Building Under Construction)
UOB’s BUC loan packages are tailored for new launch condo buyers. With progressive disbursement based on construction milestones, homeowners only pay interest on funds used — helping to reduce financing costs during the build phase.

Best for: Buyers of new launch condominiums, ECs, or uncompleted properties
UOB strength: Progressive payment structure with flexible refinancing or conversion after TOP

🔗 5. UOB Bridging Loan
UOB’s bridging loan option allows buyers to secure new homes while awaiting the sale of their existing property, ensuring a smooth transition without cash flow stress.

Best for: Upgraders needing short-term financing before their property sale completes
UOB strength: No lock-in period, fast disbursement, and flexible bullet repayment after sale

✅ Why Choose UOB?
UOB is not just about offering home loan packages — it’s about building long-term financial security for homeowners:

✅ One of Asia’s most stable and trusted banks
✅ Go Green Home Loan rewards supporting eco-living
✅ Transparent SORA-based floating rates with no hidden margins
✅ Steady digital innovation for fast, seamless mortgage journeys

🟢💬 Enquire Now via WhatsApp

✅ UOB Home Loan Eligibility Criteria

Wondering if you qualify for a UOB home loan in Singapore? Approval isn’t based solely on your income level — UOB also considers the type of income, its stability, and your ability to demonstrate prudent financial management. Here’s what you need to know:

💼 Fixed Income Earners (Employees)
If you’re employed full-time with a stable salary, UOB typically assesses:

Latest 3 months’ payslips and CPF contribution history

Annual bonuses (may be partially considered depending on consistency)

Employer stability and duration of employment

✅ Tip: You can typically qualify for a UOB home loan with a gross monthly income from $2,500 onwards, as long as your Total Debt Servicing Ratio (TDSR) remains within the 55% limit.

🧾 Self-Employed / Variable Income Earners
If you’re self-employed, work on commissions, or run your own business, UOB usually requires:

Last 2 years of NOA (Notice of Assessment) from IRAS

Latest 6–12 months of personal or business bank statements

ACRA business registration (if applicable)

✅ Important: UOB generally counts about 70% of your declared income toward loan eligibility. Keeping accurate financial records is crucial for approval.

💰 Pledged or Show Funds (Supplementary Income Methods)
If your income falls short, UOB may allow the use of:

Pledged assets: Fixed deposits, CPF savings, or cash pledged for 48 months

Show funds: Demonstrating substantial cash reserves over the last 6–12 months

✅ These strategies are often used by:

Retirees purchasing new homes

Business owners with fluctuating income profiles

Younger buyers supported by family financial resources

🟢💬 Check My Eligibility

🔒 UOB Home Loan Lock-In Period & Early Repayment Penalties

Understanding the lock-in period and early repayment penalties is crucial when selecting a UOB mortgage package. Whether you’re choosing a fixed-rate or floating-rate loan, knowing these 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 contractually committed to your UOB home loan. Full redemption, refinancing to another bank, or breaching terms during this period usually incurs a penalty.

🏷 Mortgage Lock-In Period for UOB Housing Loan Packages

💰 Early Redemption Penalty – If you fully redeem your UOB loan during the lock-in period (for example, due to property sale or external refinancing), UOB typically charges 1.5% of the redeemed loan amount

Example: Redeeming a $600,000 loan early → $9,000 penalty payable

Partial repayments are permitted, but specific conditions apply.

🤝 Let Ace Mortgage Negotiate Better Terms for You

When you work with Ace Mortgage Advisory, we don’t just submit your loan — we actively help you negotiate for:

✅ Preferential rates depending on your profile or loan size
✅ Shorter lock-in periods where applicable
✅ One-time free repricing options bundled into the package
✅ Flexible partial prepayment allowances without penalties

🟢💬 Get Customized Loan Quote

🏦 Compare UOB vs Other Banks for Home Loans in Singapore (2025)

Looking for the best home loan package in Singapore? UOB remains a trusted choice — but how does it compare to major banks like DBS, OCBC, and Maybank?

Here’s a clear comparison across key mortgage features, helping you make a fully informed and confident decision.

Key Features Comparison between UOB, DBS, and OCBC Home Loans

🏠 Bank-Specific Highlights

UOB – Stability, Sustainability, and Property Insights

Go Green Home Loan: Rewards customers for purchasing energy-efficient and BCA Green Mark-certified properties.

Home Solution Digital Platform: Provides instant online property valuations and streamlined loan approval processes.

Transparent SORA Packages: UOB’s floating rates are pegged cleanly to the 3M SORA benchmark with clearly disclosed spreads.

🤝 Making the Right Choice
When it comes to securing a home loan in Singapore, UOB stands out for its blend of financial stability, sustainability initiatives, and smart digital tools.

✅ Enjoy peace of mind with UOB’s transparent fixed and floating-rate packages, anchored to MAS-endorsed benchmarks.
✅ Benefit from instant online property valuations and fast loan approvals with UOB’s Home Solution platform.
✅ Support a greener future with the UOB Go Green Home Loan, offering rewards for energy-efficient property purchases.
✅ Rely on UOB’s reputation for conservative lending practices, long-term customer support, and strong financial governance.

Whether you’re purchasing your first property, upgrading to a private home, or refinancing for better terms, UOB offers the confidence and structure needed for smart, future-ready homeownership.

🟢💬 Speak to a Mortgage Advisor

📝 How to Apply for a UOB Home Loan (Step-by-Step Guide)

Whether you’re purchasing your first home, upgrading to a private property, or refinancing an existing mortgage, applying for a UOB home loan is a clear and straightforward process — made even smoother with the expert guidance of Ace Mortgage Advisory.

Here’s how the UOB home loan application works in Singapore, and how we make it stress-free for you.

✅ Step 1: Speak with an Advisor (Free Consultation)
Your journey begins with a quick call, WhatsApp chat, or consultation with one of our licensed mortgage advisors.
We’ll ask a few simple questions about:

Your property type (HDB, condo, landed, BUC)

Whether you are purchasing or refinancing

Your income type (fixed salary, self-employed, variable income)

Your preferred loan amount and tenure

🔍 No paperwork needed at this stage — just a quick eligibility check and rate consultation.

✅ Step 2: Compare & Select the Right UOB Package
We’ll present the latest UOB mortgage options, including:

Fixed-rate and SORA-pegged floating packages

Go Green Home Loan options for sustainable property buyers

Lock-in periods, free conversion options, CPF usage considerations

Estimated monthly repayment projections

You’ll receive side-by-side comparisons with clear explanations, so you can confidently select the best package.

✅ Step 3: Submit In-Principle Approval (IPA) Application
After deciding on a package, we’ll assist you in submitting your UOB IPA application.

📄 Typical documents required:

NRIC (front and back)

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

CPF contribution history

Option to Purchase (OTP), if available

6 months’ latest bank statements (for self-employed or variable income profiles)

We’ll submit your documents via UOB’s secure digital loan portal and keep you updated through each milestone.

✅ Step 4: Loan Approval & Acceptance
Upon approval, we’ll guide you through:

Reviewing and explaining the UOB Letter of Offer (LO)

Clarifying key terms (lock-in, penalties, free conversion options)

Coordinating with your property lawyer and real estate agent

Once the Letter of Offer is signed, UOB proceeds with disbursing the loan toward your property purchase or refinancing.

✅ Step 5: Ongoing Support & Repricing Strategy
Our service doesn’t stop after disbursement. We’ll continue to:

Track your lock-in expiry dates

Advise on optimal timing for repricing or refinancing

Ensure your UOB home loan remains competitive over time

💡 Our service is 100% free — UOB pays us a service fee

🤝 Let Ace Mortgage Handle Your UOB Loan Application

When you work with Ace Mortgage Advisory:

No confusing paperwork or guesswork

No hidden costs or brokerage fees

Full end-to-end guidance to secure the best UOB package for your needs

🟢💬 Apply for a Home Loan Now

🚀 🚀 Apply for Your UOB Home Loan Today (Fast, Free & Hassle-Free)

Found the right UOB home loan package? Let us help you secure it — without the paperwork headaches.

At Ace Mortgage Advisory, we make it easy to apply for a UOB mortgage, whether you’re buying your first home, 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 UOB Rates & Exclusive Promotions
✔ Receive Unbiased Advice from Licensed Mortgage Specialists
✔ Avoid Common Pitfalls like hidden lock-ins, early repayment penalties, or CPF missteps
✔ Full Application Support — from documentation to submission to final loan disbursement
✔ 100% Free Service — enjoy UOB’s best offers, and we’re paid by the bank (not you)

🗂 What You’ll Need to Get Started

Getting started is easy — no OTP (Option to Purchase) needed upfront.
We’ll just need:

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 step-by-step through the full application process.

💬 Ready to Get Started?

Click below to chat with a mortgage advisor instantly, or schedule a callback at your convenience.

🟢💬 Apply Now via WhatsApp

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