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Mortgage Loan Singapore

Home financing
made simple

Discover the best home loan rates across all the banks, and let us draw the comparisons for you. We’ll find you the best loan tailored to your needs – free of charge. Because at Ohmyhome, we’re always by your side, always on your side.

AS SEEN ON

 

WHAT WE OFFER

Mortgage Financing Options

Whether you’re just starting to finance a new home or looking to refinance an existing loan, let us do the math. Expect to receive:

Free mortgage advice

Upon understanding what you need, we’ll advise you on your loan eligibility and information on other upfront costs like stamp duty, legal fees and the monthly installment amount.

Unbiased financing guidance

We will present you with a thorough comparison of the various banks’ interest rate packages. For private property owners, a valuation check will also be provided for you for free upon request.

Get it done hassle-free

Talk to us today. Available daily 9 AM to 9 PM (GMT +8)

Schedule a Callback

Live Chat

Schedule a Callback

Live Chat

How it works

1

Talk to us

We’re just a click away. Let us understand what you need. From here, we will provide you with the advice, as well as a home report and e-valuation - all for free!

2

Match with a Super Agent

They'll provide you with expert property advice, plus tech-powered home report and e-Valuation.

3

Kick back, relax

Enjoy how fuss-free the process is, and be promptly updated when it’s all done. It's that simple!

Why us?

We’re on your side.

FREE CONSULTATION

You’re not alone

Deciding on the right housing loan is a big decision. Let us help you with the right one. Never be pressured into a loan that is not right for you again.

EASY COMPARISON

Many banks, one touchpoint

It’s easy to be overwhelmed by all the different rates that all the different banks offer. At Ohmyhome, we’ve partnered with multiple banks across the country to get the most updated rates compiled for you

Worry free transaction

Efficient process, open communication

Have a question? Put it in the chat group that we’ve set up for you. Have your questions answered fast by your relationship manager and be comforted by how easy the process is.

Ready to get
a home loan?

HOME FINANCING

Frequently Asked Questions

Got a question? We’ve got the answers. If you don’t see your question here, drop us a message. We’re happy to assist.

We get paid a fixed fee from our partner banks irrespective of which bank you take your loan with. This allows us to give you unbiased advice.

Are you planning to sell the property after a few years? That is an important point to consider because it determines whether a fixed or floating interest rate suits you better. As Singapore interbank rates trend very closely to US Fed Rates, a fixed rate loan may be wise as a hedge against rate hikes because there is a possibility that the US Federal Reserve will raise interest rates in the near term. However, fixed-rate loans typically come with lock-in periods, and you are subject to fork out penalties if you prepay the loan within the lock-in period.

The maximum loan tenure for HDB loans is 25 years, or up to age 65, whichever is lower, for financing up to 75%. A maximum loan tenure can be up to 30 years for financing of up to 55%. For private residential properties, there’s a pre-set matrix. For the first private residential loan, you can borrow up to 75% if (1) The Loan tenure does not exceed 30 years (2) Age at the end of loan tenor does not exceed 65. For financing up to 55% on the first private residential loan, the maximum loan tenor is capped at 35 years.

Our experienced Mortgage Specialist will review your current interest rate package and recommend suitable refinancing options.

More home services

Beyond Mortgage

get an agent

Sell with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Post a Listing for Free

Download the app and connect with buyers

RESOURCES

Ohmyhome E-Valuation

Know the value of your property in seconds!

Calculate Seller’s Stamp Duty

Find the amount payable when selling

How to Sell an HDB

A step-by-step guide to selling HDB

How to Sell my Private Property

A step-by-step guide to selling condo/landed

OHMYHOME E-VALUATION