What’s the difference between fixed and floating (SORA) rates?
A fixed rate stays the same for the fixed period (e.g. 2 years), so your repayments are certain. A floating rate moves with a benchmark — in Singapore that’s usually SORA — so it can rise or fall. Fixed suits those who want predictability; floating can win when rates are falling.
What is SORA?
SORA (Singapore Overnight Rate Average) is the benchmark most floating home loans are priced against. Your rate is quoted as SORA + a spread (the bank’s margin) — when SORA moves, your rate moves with it.
What is a lock-in period?
The lock-in is the period during which you’d pay a penalty (typically 1.5% of the outstanding loan) if you fully redeem or refinance. Many packages have a 2-year lock-in; some have none. Use the lock-in filter above to match your plans.
When should I refinance my home loan?
Most owners refinance when their lock-in ends or their rate jumps after the promotional years. Start comparing about 4–6 months before your lock-in expires — approval and legal work take time. Switch the toggle above to Refinance to see eligible packages.
How much can I borrow?
It depends on your income, existing debts and the property. Banks apply TDSR (Total Debt Servicing Ratio, capped at 55% of gross income) and, for HDB/EC, MSR. Our advisors can estimate your eligibility before you apply.
Is your service really free?
Yes — there’s no charge to you. We’re compensated by the banks when your loan is disbursed, and you get the same rates as going direct, often with extra perks we’ve negotiated.
How do I get started?
Compare the packages above and tap Enquire on any that interest you — or message us directly on WhatsApp. We’ll confirm your eligibility, recommend the best fit, and handle the paperwork with the bank.
Testimonials
A wall of happy homeowners
★★★★★
“Saved us over $400 a month after refinancing. The advisor compared every bank and handled all the paperwork with the lawyer. Couldn’t recommend them more.”
JTJolene TanRefinanced HDB flat
★★★★★
“Compared 10 banks in one place instead of calling each. Huge time-saver.”
KOKevin OngInvestment property
★★★★★
“First-time buyers, totally clueless about loans. They patiently explained fixed vs floating, walked us through TDSR, and got us a great 2-year rate.”
MLMarcus & LiFirst condo purchase
★★★★★
“No fees, no pressure, just honest advice. Replied on WhatsApp within minutes.”
PSPriya S.HDB upgrader
★★★★★
“Professional and fast — approval-in-principle sorted before my option deadline.”
SLSarah LimNew launch buyer
★★★★★
“My rate jumped after lock-in ended — they found a lower SORA package within a day and sorted the whole switch for me.”
