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The best mortgagefor you, every time.
Don't spend another day
paying more for your mortgage
than you should.
We monitor the market every day for opportunities to
help you refinance your mortgage and save more
money.
help you refinance your mortgage and save more
money.
View the best mortgage rates from all major banks in Singapore at once.
Don't know where
to begin?
Talk to us for guide to home ownership
Tips
on AffordabilityReceive Mortgage Expert Advice on how to maximise affordability and make your dream home come true.
End-to-end
Guided ProcessGet guidance throughout your mortgage journey from first call to receiving the key to your new home.
Expertly
Curated ArticlesUnlock mortgage knowledge with our Mortgage 101 articles to help you get started and learn at ease.
Add-on
RecommendationsGet connected to services specially for you from law firm, insurance, home services to PGF+ Perks.
More than a broker.
Our PropertyGuru Finance Mortgage Experts leverage on PropertyGuru's technology and data to make mortgage services smart, effortless, and transparent. What an industry breakthrough!
Brokers
Banks
Access to the best ratesAccess to the best rates
Access to packages from all major banksAccess to packages from all major banks
Objective, non-biased adviceObjective, non-biased advice
Mortgage monitoring serviceMortgage monitoring service
Bespoke home loan strategiesBespoke home loan strategies
We're one call away
Smart now.
Smart every time.
As you look for your home
As you select a mortgage
As you enjoy your home
As you refinance for more savings
As you upgrade your home
As you select a mortgage
We enable you to make the best choice. We are independent from banks, have the best mortgage rates and the most experienced mortgage experts in the market.
No fees.
No commitment.
No brainer.
- We've helped thousands of homeowners with their mortgages and they have given us 5-star ratings on our application process and service.
Read our reviews - We've partnered with all major banks in Singapore to bring you the best mortgage rates and deals.
- As the no.1 property portal in Singapore, we possess the market knowledge, data and technology to revolutionise the mortgage market for good.
- We've put together a team with decades of experience to help you find and finance your dream home. Our Mortgage Experts are dedicated to helping you reach your financial goals, without stress.
- Our loan rate engine screens available mortgage offers daily and compares them with your current home loan, so that we can track any potential savings and recommend better strategies as opportunities emerge.
"My agent (Ms Ong Jiaxin) was patient and able to explain all the terms and conditions ...Read more
Elvin Toh"PropertyGuru Finance is the best of the Finance bunch. I was rushing to look for a la...Read more
Nyan Kaian"As a first time house purchaser I was unsure of what are the steps to get a mortgage a...Read more
Woon Yeow Tiah"Ms Hazel Lam was very patient and addressed all my questions in a timely manner. Highl...Read more
Simone Sim"Thanks a lot Avis for being very helpful. :) Very good service altogether."
Nishadhi Gunatilake"Amber is super helpful and patient. she took her time to explain even outside her offi...Read more
Tish"This is really late. I had issues with my bank loan back in October 2022 when we purch...Read more
Ng Hui Min"Good and seamless transaction, thanks to Avis. He will give you access to different ba...Read more
Rachel Punzalan"Stanley is very helpful, patient, efficient and experience in handling the loan matter...Read more
Mark Kan
Steps to own
a home
| Home Budget |
| Use Our Affordability Calculator for an estimate |
| In-Principle Approval (IPA) |
| Apply for an IPA to secure your home loan from a bank |
| Home Loan Package |
| Check Mortgage Rates & Chat with our Mortgage Experts |
| Letter of Offer (LO) |
| Obtain a valid LO before exercising the Option to Purchase |
Step 1
Set your home budget
It can be complicated to work out which property you can afford, especially for first-time home buyers. The housing loan you can borrow in Singapore depends on numerous factors like your income, the Loan-to-Value ratio (LTV), the Total Debt Servicing Ratio (TDSR), and more.
Our Affordability Calculator makes it easy to estimate your maximum purchase price, housing loan amount, and down payment within minutes. Set your home budget before viewing properties and use your time and effort efficiently.
Our Affordability Calculator makes it easy to estimate your maximum purchase price, housing loan amount, and down payment within minutes. Set your home budget before viewing properties and use your time and effort efficiently.
Step 2Apply for an
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.
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.
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 4Compare and find the
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 that you may have.
You can start by understanding the pros and cons of different loan types (e.g., fixed vs floating interest rate). With banks offering a large range of 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 suits your situation on flexibility and monthly repayments best.
You can start by understanding the pros and cons of different loan types (e.g., fixed vs floating interest rate). With banks offering a large range of 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 suits your situation on flexibility and monthly repayments best.
Step 5
Get a letter of offer
After a thorough comparison between loan packages with our Mortgage Experts based on their industry knowledge and advice, determine the best option for your financial status.
If you need any mortgage advice, our Mortgage Experts will also be there for you. 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 a Letter of Offer 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 a Letter of Offer, you'll be able to exercise your Option to Purchase, and proceed to buy your dream home.
If you need any mortgage advice, our Mortgage Experts will also be there for you. 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 a Letter of Offer 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 a Letter of Offer, you'll be able to exercise your Option to Purchase, and proceed to buy your dream home.
Step 1Check that it's a good time to
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 look at 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. Often, the most suitable refinancing package for you will depend on what you hope to achieve with this move, whether it is to ease your cash flow, reduce loan period, or lower interest costs.
Here's why. By increasing your mortgage loan period, it will reduce your monthly mortgage repayment. This means more disposable income for you to make home improvements, pay off urgent debts, or invest in other assets.
Refinancing your mortgage also gives you the opportunity to make a lump sum payment for your mortgage. This allows you to reduce the principal amount owed on your mortgage so that you can 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!
At the same time, think about your financial goals and reasons for refinancing. Often, the most suitable refinancing package for you will depend on what you hope to achieve with this move, whether it is to ease your cash flow, reduce loan period, or lower interest costs.
Here's why. By increasing your mortgage loan period, it will reduce your monthly mortgage repayment. This means more disposable income for you to make home improvements, pay off urgent debts, or invest in other assets.
Refinancing your mortgage also gives you the opportunity to make a lump sum payment for your mortgage. This allows you to reduce the principal amount owed on your mortgage so that you can 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!
How to refinance
your home loan
Step 2Compare mortgage rates
Compare mortgage rates
when you refinance
Once you've established that your finances are in good shape and you're 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 on your own, or speak with one of our Mortgage Experts for personalised recommendations to accelerate your journey in owning a home.
Alternatively, you can compare the latest mortgage rates on PropertyGuru Finance on your own, or speak with one of our Mortgage Experts for personalised recommendations to accelerate your journey in owning a home.
Step 3Apply through
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 team of Mortgage Experts are veterans in the industry with decades of experience helping thousands of homeowners like you.
PropertyGuru works with all major banks in Singapore to offer not just the best mortgage rates, but bespoke and unbiased advice too.
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.
Our team of Mortgage Experts are veterans in the industry with decades of experience helping thousands of homeowners like you.
PropertyGuru works with all major banks in Singapore to offer not just the best mortgage rates, but bespoke and unbiased advice too.
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 tipHow to decide between
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).
Still unsure about refinancing? Get in touch with our Mortgage Experts to get personalised recommendations on what steps you can take to refinance your home. If you are thinking about refinancing, you can leave your contact details with PropertyGuru. We will remind you towards the end of your lock-in and/or clawback period.
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).
Still unsure about refinancing? Get in touch with our Mortgage Experts to get personalised recommendations on what steps you can take to refinance your home. If you are thinking about refinancing, you can leave your contact details with PropertyGuru. We will remind you towards the end of your lock-in and/or clawback period.
Learn more about home financing
Frequently Asked Questions
- PropertyGuru Finance can help you secure the best in line home loans and HDB bank loans. Soon, we will be able to assist you in 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 absolutely 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, which means you get 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 2 years if you're self-employed)
- - Your CPF contribution history
- - Your Option to Purchase or Sale and Purchase Agreement
We'll walk you through the rest when you contact us here.