Latest SORA (SGD)
- Overnight SORA
- --.--%
- 1M Compounded SORA
- --.--%
- 3M Compounded SORA
- --.--%
- 6M Compounded SORA
- --.--%
Source: MAS. Replace placeholders with current official data.
Independent mortgage advisory in Singapore
Clear mortgage choices. Confident next move.
We compare bank packages, explain fixed and SORA-linked options, and help you make a clearer property financing decision before you apply.
- SORA data from MAS
- 100% independent
- No pushy sales
Singapore Mortgage Market Pulse
Understand the rate table before choosing a package.
Sample display. Verify latest MAS data before publishing.
Indicative Home Loan Packages
From selected lenders. Figures should be replaced before launch.
2-Year Fixed
from --.--% p.a.
Fixed rate for 2 years
3-Year Fixed
from --.--% p.a.
Fixed rate for 3 years
Floating (SORA)
SORA + spread
Changes with market
Rates are indicative and subject to bank approval, loan amount, property type, lock-in terms, fees, subsidies, and package availability.
Independent & Singapore-focused
We work around your property stage and goals, not a single lender's product shelf.
Compare Across Banks
Review packages across major Singapore lenders, including fixed and SORA-linked structures.
Explain Clearly
Understand lock-ins, spreads, legal subsidies, repricing options, and practical tradeoffs.
Plan the True Cost
Look beyond headline rates to estimate repayment, fees, timing, and review dates.
Our Services
Mortgage support for each property stage.
First-Home Support
Guidance for HDB, BTO, EC, and private first-time buyers.
Learn moreRefinance Review
Compare your current loan with repricing or refinancing options.
Learn moreInvestment Loans
Review lending structure, cash flow, and package sensitivity.
Learn morePre-approval Guidance
Understand your borrowing position before you buy.
Learn moreHow We Help You
A clear path from first call to application.
-
01
Discovery Call
We understand your property type, timeline, current loan, and financial situation.
-
02
Compare Options
We compare suitable packages across lenders and explain the practical differences.
-
03
Explain Tradeoffs
We walk through rate structure, lock-in terms, fees, subsidies, and payment impact.
-
04
Application Support
We help you prepare for the bank application and next steps toward completion.
Calculator
Estimate your monthly repayment.
This quick estimate uses loan amount, interest rate, and tenure only. It excludes bank fees, legal fees, CPF rules, subsidies, and borrower eligibility checks.
They helped us understand the fine print.
We could compare fixed and floating options without getting lost in bank terms, fees, and lock-in conditions.
- Homeowner refinancing reviewReady to make your next move with confidence?
Book a free consultation and share your buying or refinancing goals.
FAQ
Questions before a mortgage review.
SORA is the Singapore Overnight Rate Average, administered and published by MAS. SORA-linked mortgage packages usually include a bank spread and can change over time.
It depends on your risk comfort, expected holding period, lock-in preference, cash flow, and available bank packages at the time of application.
Many homeowners start three to six months before lock-in expiry, depending on their existing terms, clawbacks, and legal completion timeline.
No. Mortgage packages are subject to bank assessment, property type, loan amount, tenure, borrower profile, and prevailing market conditions.
Contact
Book a Singapore mortgage review.
Tell us whether you are buying, refinancing, repricing, or planning ahead.