Most brokers advertise rates with hidden cashback conditions that inflate what you see. We show you the actual bank rate — then help you get it. Fast, free, and honest.
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| Bank | Package | Year 1 Rate | Year 2 Rate | Type | |
|---|---|---|---|---|---|
| DBS | FHR18 Fixed | 2.75% | 2.75% | Fixed | ★ Popular |
| OCBC | 3M SORA + 0.80% | ~3.10% | ~3.10% | SORA | |
| UOB | Fixed 2-Year | 2.80% | 2.80% | Fixed | |
| SCB | MortgageOne SORA | ~2.95% | ~2.95% | SORA | |
| HSBC | Smart Mortgage | 2.70% | 3.00% | Fixed | |
| Maybank | 3M SORA + 0.75% | ~3.05% | ~3.05% | SORA | |
| ⚠️ Some brokers advertise rates 0.2–0.4% lower than above. These typically use broker cashbacks with 3-year clawback clauses. Ask us to explain the difference before you sign anything. | |||||
Some unregulated brokers in Singapore advertise headline rates that look lower because they're subsidising the gap using their own cashback rebates — with strings attached.
We show you the actual bank rate, walk you through every condition, and help you pick the package that saves you the most over your full loan tenure — not just year 1.
"Was quoted 2.45% by another broker. Percent showed me the fine print — it was actually 2.75% with a cashback that had a 3-year clawback. Went with Percent's recommendation instead. Saved myself a lot of stress."
"Lock-in expiring soon and had no idea where to start. They came back within the hour with 4 options, explained each one clearly. Refinanced in 2 weeks — painless."
"No hard sell, no follow-up spam. They told me it wasn't worth refinancing yet because my penalty was still high. Came back 6 months later and they helped me save $280/month."
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