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.

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.

Not sure when to refinance your home loan? In this comprehensive 2026 guide, we explain the ideal time to refinance, why homeowners should start the process three months before their lock-in period ends, whether refinancing early makes sense, and when paying a breakage penalty may still result in substantial savings.

Fixed mortgage rates have risen again in July 2026 while floating rates remain attractive. Discover the latest home loan rates and whether fixed or floating packages make more sense in today's market.

Buying an investment property involves much more than paying the downpayment. Understand the cash required, financing, rental yields, property taxes, SSD rules and ideal returns before investing in Singapore property in 2026.

Cash Over Valuation (COV) occurs when a property's purchase price exceeds its official valuation. While COV does not increase your maximum home loan, it can significantly increase the amount of cash required upfront as the difference must be paid entirely in cash. Learn how COV affects your loan eligibility, CPF usage, Buyer’s Stamp Duty (BSD), Additional Buyer’s Stamp Duty (ABSD), and what to consider before committing to a resale property purchase in Singapore.

Why do different banks offer different mortgage rates in Singapore? Learn how funding costs, lending policies, income assessment, refinancing criteria and market strategies affect home loan rates and approvals.

Why do different banks offer different mortgage rates in Singapore? Learn how funding costs, lending policies, income assessment, refinancing criteria and market strategies affect home loan rates and approvals.

HDB Purchase: From choosing between Joint Tenancy and Tenancy in Common to understanding Essential Occupier rules, CPF usage, housing grants and bank loan options, these decisions can have long-term implications on your finances and future property plans. In this guide, we explore everything couples need to know about HDB joint housing loans in Singapore and how to choose the most suitable ownership and financing structure.

Singapore mortgage rates are beginning to rise as both local and foreign banks increase fixed-rate packages. With SORA volatility increasing and global uncertainties mounting, homeowners may want to review their refinancing options sooner rather than later.