Find the right one
Make the right home loan decision with
our smart tools and expert guidance
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
Discover your mortgage
options with us
Where are you in your home ownership journey?
Crafted by experts,
fine-tuned with technology
S$ 6+ Billion
Successful Loans
25 Seasoned
Mortgage Experts
3 Days
Average Loan Approval
We're redefining home
financing,
with you in mind.
"Sheryl is very helpful and prompt with my housing loans financing queries. As first ti...Read more
Brownie"I had an excellent experience working with Joyce Y Y Tan as my mortgage advisor. From ...Read more
Tine Ng"A pleasant experience dealing with the team from PropertyGuru Finance. In particular, ...Read more
Tabitha Quake"we engaged PropertyGuru finance to recommend bank loan package. The loan agent is able...Read more
Kevin BAI"Good experience with the process, Sheryl in particular was very helpful and resourcefu...Read more
Xaviera Lim"Joyce Tan, the mortgage advisor that was assigned to me was extremely responsive and h...Read more
lawrence tay"Joyce was extremely responsive and helped to answer any questions I had. Including lin...Read more
mark wang"Prompt and good services! 👍"
Zhi Peng"I had the pleasure of working with Hazel, my mortgage broker, for my loan inquiries. H...Read more
Jessie Cheng
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.
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 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.
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.
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.
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 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 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!
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!
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 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.
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 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 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.
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 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).
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.
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.
Learn more about home financing
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.