Comparing Rates Across 16 Banks Starts Here
Whether you’re purchasing your first home, upgrading to your dream property, or refinancing, we help you compare and give you the lowest rates in Singapore.
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Updated: 18 NOV 2025
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DBS Fixed Rate
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UOB Fixed Rate
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Maybank Fixed Rate
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OCBC Fixed Rate
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BOC Fixed Rate
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- Applicable for Greenmark Building
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SCB Fixed Rate
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SCB Floating Rate
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OCBC HDB 5years Fixed
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- Waiver of penalty due to sale after 1year
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UOB Fixed+
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Lowest rates
Updated: 18 NOV 2025
Lowest Singapore
Home Loan Rates in 2025
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Stay Informed with Expert Mortgage Tips and Market Updates
Explore our latest articles covering mortgage advice, housing trends, bank rate updates and smart financial strategies.
Insights & Updates Latest News It’s a question that few homeowners want to think about,
Adding parents as co-borrowers can increase your mortgage loan eligibility — but it may trigger ABSD or CPF restrictions if they’re co-owners. Fairloan explains how to structure ownership and borrowing smartly to maximise approval while avoiding unnecessary taxes.
Singapore Permanent Residents can buy only resale HDB flats, not BTOs, and must use bank financing. Both applicants must be PRs for at least three years. Fairloan explains eligibility, financing options, and how PRs can plan smartly for home ownership in Singapore.
HDB often approves higher loan amounts because it uses a lower stress-test rate than banks’ 4%. While both now cap at 75% LTV, HDB loans let you use CPF for the full downpayment, offering stability versus fluctuating bank rates.
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