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Find the right one

Make the right home loan decision with
our smart tools and expert guidance

Home loans,
the smarter way

Qualify with ease
Our secure online tool streamlines bank rules into a few easy steps and estimates your potential loan amount.
Get matched to the right loan
Our team of dedicated experts will work with you on the best way to finance your dream home.
Apply online, anywhere, anytime
Loan applications, reimagined. Our online process is smooth and paper-free. Just drag, drop, and go!
We partner with all major banks in Singapore to bring you the best mortgage deals
  • DBS
  • OCBC
  • Citibank
  • UOB
  • Standard Chartered
  • Maybank
  • RHB
  • CIMB
  • Bank of China
  • SBI
  • Hong Leong Finance
  • Singapura Finance
  • HSBC
  • DBS
  • OCBC
  • Citibank
  • UOB
  • Standard Chartered
  • Maybank
  • RHB
  • CIMB
  • Bank of China
  • SBI
  • Hong Leong Finance
  • Singapura Finance
  • HSBC
  • DBS
  • OCBC
  • Citibank
  • UOB
  • Standard Chartered
  • Maybank
  • RHB
  • CIMB
  • Bank of China
  • SBI
  • Hong Leong Finance
  • Singapura Finance
  • HSBC
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Discover your mortgage
options with us

Where are you in your home ownership journey?

Crafted by experts,
fine-tuned with technology

1
Qualify

Quick, digital, bank-backed checks for fast, loan qualification.

2
Match

Compare the latest rates from all banks and land on your ideal loan.

3
Apply

Streamlined and guided online application for all banks.
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S$ 6+ Billion
S$ 6+ Billion
Successful Loans
25 Seasoned
25 Seasoned
Mortgage Experts
3 Days
3 Days
Average Loan Approval

We're redefining home
financing,
with you in mind.

Rated starstarstarstarstar by our customers

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  • "I would like to thank my Home Finance Mgr Joanne Pang who was very professional and pr...Read more
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    Kenny Tay
  • "Great service. Glenda and Desmond are prompt to answer messages. They are knowledgeabl...Read more
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    Lok Geraldine
  • "Ms. Hazel Lam from the PropertyGuru Finance Team has been a great guidance and help fo...Read more
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    Deepanwita Roy
  • "The service of Ms Joanne is quite patient and timely. She helps us a lot on the home l...Read more
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    Shanshan Yang
  • "A big thank you to Joanne for her professional and efficient assistance in helping me ...Read more
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    Wendy
  • "My wife and I were introduced by my property agent to Joanne. As first timers, we were...Read more
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    Sean Soh
  • "Refinance analysis is very details & easy to read!"
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    Boon Haou Bong
  • "Thank you to Joanne of PropertyGuru Finance for helping with my mortgage. My first hom...Read more
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    Tuyet Linh
  • "Lily Koh was a star in helping us throughout our enquiries and processions throughout....Read more
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    James Russell Lim
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Get the best
mortgage for you

Budget
Use our affordability calculator to estimate your monthly mortgage repayments
In-Principle Approval (IPA)
Apply for an IPA to secure a home loan with your preferred bank
Home loan package
Check all the latest mortgage rates and chat with our Mortgage Experts
Letter of Offer (LO)
Obtain a valid LO before exercising your Option to Purchase (OTP)
Step 1

Set your home budget

Determining which property you can afford can be complicated, especially for first-time home buyers. The housing loan you can take up in Singapore depends on numerous factors, such as your income, the Loan-to-Value ratio (LTV) limit, the Total Debt Servicing Ratio (TDSR), and more.

Our affordability calculator makes it easy to estimate your maximum home purchase price, housing loan amount, and downpayment - within minutes! Set your home budget before viewing properties and efficiently use your time and effort.
Step 2

Apply for an
In-Principle Approval

The smart way to secure your home loan from a bank is to apply for an In-principle Approval (IPA) or Approval In-principle (AIP) first.

An IPA is a conditional approval for your housing loan that informally appraises how much you are eligible to borrow from the bank. When you apply for an IPA, the bank will evaluate your financial health and credit history to determine your housing loan amount.

With an IPA in hand, it makes your property hunting much smoother. You'll be able to know your budget so you can shortlist homes without the fear of last-minute loan rejections.
Step 3

Find your dream home

After deciding on your property budget and securing your IPA, you can begin house hunting on PropertyGuru.

PropertyGuru's home search platform is designed to make the home-buying journey flexible and easy. You can filter for potential dream homes based on your desired residential type, price, number of beds, and/or location.

Planning to make a trip to view the property in person? Contact the relevant property agents directly to schedule an appointment.
Step 4

Compare and find the
right home loan package

We know that mortgages can be technical and confusing for first-time homebuyers. That’s why we have a team of dedicated Mortgage Experts to answer any questions.

You can start by understanding the pros and cons of different loan types (e.g., fixed vs floating interest rate). With banks offering many loan packages, it's important to understand that not every home loan available in the market may be the right fit for you.

Beyond just breaking down mortgage loans for you, our Mortgage Experts will also do the research for you so that you can easily compare different home loan packages across banks. This makes it easy for you to assess which mortgage loan package best suits your situation on flexibility and monthly repayments.
Step 5

Get a Letter Of Offer

After thoroughly comparing loan packages with our Mortgage Experts based on their industry knowledge and advice, determine the best option for your financial status.

Our Mortgage Experts will also be there for you if you need any mortgage advice. This includes the tedious paperwork process for your home loan application!

Once you've decided to sign a mortgage loan package with the bank, you'll receive an LO that details the important mortgage information such as the loan amount and tenure, interest rate structure, and lock-in period of the mortgage loan package.

With an LO, you can exercise your Option to Purchase and buy your dream home.
Step 1

Check that it's a good time to
refinance

Many homeowners consider refinancing in the third to the fifth year of their mortgage as this is when their lock-in and/or clawback period ends.

You can also review your most recent mortgage statement to review details of your current loan, such as the outstanding amount, mortgage rates, and interest paid.

At the same time, think about your financial goals and reasons for refinancing. The most suitable refinancing package for you will often depend on what you hope to achieve with this move, whether to ease your cash flow, reduce your loan period, or lower interest costs.

By increasing your mortgage loan period, it will reduce your monthly mortgage repayment. This means more disposable income to make home improvements, pay off urgent debts, and/or invest in other assets.

Refinancing your mortgage also allows you to make a lump sum payment for your mortgage. This allows you to reduce the principal amount owed on your mortgage to pay off your mortgage earlier.

Furthermore, there may be newer home loan packages on the market offering lower interest rates than the one you have. That's an opportunity to save on interest costs for your mortgage!
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How to refinance
your home loan

Step 2

Compare mortgage rates
when you refinance

Once you've established that your finances are in good shape and ready to refinance, it's time to compare refinancing rates and packages. The easiest way is to leave it all to us. We monitor mortgage rates daily and can help you track your current mortgage against the market. Whenever there's a good mortgage rate, we will alert you that it's time to consider refinancing!

Alternatively, you can compare the latest mortgage rates on PropertyGuru Finance, or speak with one of our Mortgage Experts for personalised recommendations to accelerate your journey to owning a home.
Step 3

Apply through
PropertyGuru Finance

Settled on the perfect home loan package? Apply through PropertyGuru Finance for a hassle-free experience. We'll handle all the paperwork and keep you updated on the progress of your application every step of the way.

Our Mortgage Experts team are industry veterans with decades of experience helping thousands of homeowners like you.

PropertyGuru Finance works with all major banks in Singapore to offer the best mortgage rates and bespoke and unbiased advice.

Best of all, our service is 100% free of charge. You can be assured that there are no hidden charges, so you can take a load off your mind when purchasing a home.
Bonus tip

How to decide between
refinancing vs repricing

Not sure whether to refinance or reprice, or just don't quite know the difference?

Refinancing is when you switch from one lender to another, while repricing is when you stay with the same lender but take up a new home loan package.

Repricing does not require any legal or valuation fees and may be faster to process, but refinancing packages often offer much more attractive rates and incentives (such as subsidies and/or rebates).

Get in touch with our Mortgage Experts to get personalised recommendations on what steps you can take to refinance your home.

If you are considering refinancing, you can leave your contact details with PropertyGuru Finance. We will remind you towards the end of your lock-in and/or clawback period.

Frequently Asked Questions

  • PropertyGuru Finance can help you secure the best in-line home and HDB bank loans. Soon, we will be able to assist you with commercial property loans and overseas property loans as well.
  • We partner with all major banks to bring you the best home loan packages in Singapore. Why waste time visiting bank branches and making sense of home loan packages?
    From sharing customised recommendations to processing your home loan application, our Mortgage Experts will be with you every step of the way.

  • No. You can put your mind at ease as our service is free with no hidden charges.
  • We receive a small referral fee from the bank when you have accepted the loan. Our team partners with all major banks, giving you access to the lowest interest rates, limited-time bank promotions, and unbiased advice.
  • Simply submit an enquiry for a mortgage loan here and our Mortgage Expert will call you within 1 business day.
  • To get started, you'll need:
    • - A copy of your NRIC/Passport
    • - Latest 3 month payslips
    • - Latest Income Tax Notice Assessment (latest two years if you're self-employed)
    • - Your CPF contribution history
    • - Your OTP or Sale and Purchase Agreement
    We'll walk you through the rest when you contact us here.