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FairLoan Mortgage Advisory | Singapore Home Loan Rates Comparison

Singapore Home Loan Rates October 2026: Fixed Rates Continue to Rise as SORA Climbs

Singapore mortgage rates are moving higher again in October 2026. With SORA climbing, floating rates could rise towards 1.5%–1.7%, while fixed rates are also increasing. We look at the Fed outlook, what it means for Singapore borrowers, and why 2-year fixed rates may currently offer the best balance between certainty and flexibility.

Singapore Mortgage Rates August 2026: Have Home Loan Rates Bottomed Out?

Singapore mortgage rates remain attractive in August 2026, with fixed rates starting from around 1.40% p.a. But have rates already bottomed out? We look at the latest fixed and floating mortgage rates, the SORA outlook, and why more homeowners are choosing fixed rates for greater certainty.

What If Property Valuation Is Lower Than Purchase Price?

A property valuation that is lower than your agreed purchase price can reduce your maximum housing loan and increase the amount of cash you need. Here is how a valuation shortfall affects private property purchases, HDB resale flats, CPF usage, Cash Over Valuation and stamp duties in Singapore.

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