10+ Years
Mortgage advisory in Singapore
Percent helps Singapore borrowers compare fixed and SORA packages across major banks, with practical advice on lock-in, repricing, subsidies, and total cost.
We support HDB, private, and refinancing decisions so you can move from rate browsing to a clearer shortlist quickly.
What changed: Updated March 2026 rates snapshot context and refreshed core pathways to bank comparison, refinancing, and calculators.
The lowest advertised rate is not always the best package. The right home loan depends on your property type, expected holding period, and the clauses that affect what happens after Year 1.
Answer 3 questions. Percent will WhatsApp you with your real options.
A mortgage broker helps you compare bank packages and shortlist practical options based on your property type, debt profile, and holding plan. The real value is in clause review and total-cost context, not headline rate alone.
Instead of applying blind to a single lender, compare package structures across major local and foreign banks in one place.
Rates matter, but lock-in, clawback, repricing, and legal-subsidy mechanics often decide whether a package stays attractive.
HDB purchase, private purchase, refinancing, self-employed income, and CPF planning all need different decision paths.
| Scenario | Indicative structure | Current signal | Next step |
|---|---|---|---|
| HDB purchase / refinance | Fixed from 1.40% | Useful when payment certainty matters | Compare HDB vs bank loan |
| Private purchase | Fixed from 1.35% | Low headline rates still need clause review | Compare bank packages |
| Floating package review | SORA + 0.17% | Best for borrowers comfortable with movement | Review fixed vs SORA |
| Latest daily SORA | 1.0528% | As of 2 March 2026 | See mortgage rate outlook |
Use this first if you are buying private property, refinancing, or checking broad debt capacity.
Open TDSR CalculatorUseful when MSR may be the binding limit for HDB flats or EC purchases.
Open MSR CalculatorEstimate BSD, ABSD, and SSD impact before finalizing budget and loan structure.
Open Stamp Duty CalculatorSee the embedded CPF opportunity-cost calculator inside the guide for repayment strategy planning.
Open CPF vs Cash ToolA homeowner on a S$500,000 loan moving from 2.60% to 1.55% may reduce monthly repayment meaningfully, but the decision only works if legal subsidy, clawback, valuation, and redemption timing still make sense.
The practical question is not just “is the rate lower?” but “does the refinance still save money after all package mechanics are included?”
Approximate payment difference on a 25-year schedule before fees and package clauses. Use this as a discussion starter, not a quoted savings promise.
Review Refinance Timing1.45%
Save ~$144/mth vs HDB 2.6%1.40%
Save ~$231/mth vs HDB 2.6%1.55%
Save ~$205/mth vs HDB 2.6%1.55%
1.45%
1.40%
1.35%
SORA + 0.17%
Property type, loan purpose, timeline, and whether you care most about payment certainty, lowest cost, or flexibility.
Use rates, calculators, and scenario guides to narrow whether you should compare HDB, private, or refinancing options first.
Review fixed vs SORA, lock-in, clawback, legal subsidy, repricing, and likely holding-period cost before choosing a lender.
Move forward with a clearer shortlist, or ask Percent to help review which package best fits your case.
Review fixed and SORA structures, lock-in terms, and total cost before deciding.
New to the decision? Start with HDB loan vs bank loan, then review refinancing in Singapore.
A mortgage broker helps borrowers compare packages across banks, including interest structure, lock-in terms, penalties, and refinancing options.
Direct bank applications show only one bank’s packages. A broker can provide side-by-side options across institutions.
Look beyond Year 1 rate. Review lock-in period, step-up rates, SORA spread, repricing flexibility, clawback clauses, and legal subsidy terms.
SORA is the Singapore Overnight Rate Average benchmark used by many floating home loan packages.
Fixed rates provide short-term certainty. SORA packages can start lower but fluctuate over time.
Refinancing is usually most practical after lock-in ends. Refinancing within lock-in may trigger penalties.
Some advertised rates may reflect short promotions or assumptions. Always review full package structure.
A clawback is a condition in some home loan packages where subsidies or rebates provided at the start of the loan must be repaid if you refinance, redeem, or partially prepay the loan within a specified period.
Clawback clauses commonly apply to legal fee subsidies, cash rebates, or valuation fee subsidies. The clawback period may extend beyond the stated lock-in period in some packages, so it is important to review both terms carefully before committing.
Review when lock-in expires, when rates change significantly, or when your financial plans shift.