We search the entire Singapore market to secure the best mortgage rates for your home or investment property. Save thousands with expert, independent guidance.
Maximize your savings with customized strategies matching your exact home ownership profile.
Securing competitive fixed and floating packages for HDB flats, Executive Condominiums (ECs), and private properties.
Lower your monthly installments by switching from high-rate packages to the lowest SORA or fixed benchmark rates.
Providing specialized mortgage solutions for expatriates and foreign buyers acquiring real estate in Singapore.
In Singapore, the Monetary Authority of Singapore (MAS) regulates that your Total Debt Servicing Ratio (TDSR) must not exceed 55% of your gross income. Calculate your loan repayments and verify your TDSR compliance below.
All financial institutions must enforce TDSR. If your score exceeds 55%, you may face borrowing limits or requires credit restructuring.
Six simple steps to secure the lowest interest rates for your property loan.
Send a quick inquiry or call. Our consultants will contact you to assess your profile.
Non-binding & completely FREE consultation explaining current market benchmarks (SORA).
Follow a guided, secure checklist to gather the necessary financial documents.
We analyze and compile mortgage offers from over 16 banks, selecting the absolute best.
We handle the bank communications and secure your formal In-Principle Approval (IPA).
Finalize legal documents with our guided support. Enjoy your new lower interest rate!
We work for you, not the banks. Because financial institutions pay us a standard referral commission, our advisory services are 100% free of charge to you.
We scan loan packages from all major banks in Singapore, including DBS, UOB, OCBC, HSBC, and Standard Chartered.
We don't favor any bank. Our sole priority is securing the lowest cost and optimal terms matching your TDSR limit.
Save hours of form filling. We handle submission and coordinate directly with bank underwriters and solicitors.
A typical homeowner saving just 0.5% on an $800,000 mortgage saves over $4,000 every single year in interest charges.
Answers to common questions about HDB home loans, private property refinancing, and TDSR limits.
A mortgage broker scans loan packages across all 16+ banks in Singapore (e.g. DBS, UOB, OCBC, HSBC) to locate the lowest interest rates, whereas a single bank will only offer their own products. Additionally, brokers handle the underwriting paperwork, liaise with banks, and guide you through TDSR limits. Because banks pay standard referral fees, our services are 100% free of charge to you.
The TDSR is a framework regulated by MAS stating that a borrower's total monthly debt repayments (including home loan, car loan, personal credit cards, and school loans) must not exceed 55% of their gross monthly income. We perform a pre-approval assessment to ensure your application complies with TDSR limits before submitting to the banks.
Fixed-rate home loans lock in your interest rate for a set period (typically 2 to 3 years), shielding you from rate spikes. SORA (Singapore Overnight Rate Average) is a transparent benchmark floating rate that tracks global interest rate movements. Floating rates can fluctuate monthly. We advise you on the current interest rate cycle to choose the most cost-effective option.
Receive an independent, unbiased review of your home loan or refinancing goals within 1 business day.