Mortgage Loan Singapore
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
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
How it works
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!
Match with a Super Agent
They'll provide you with expert property advice, plus tech-powered home report and e-Valuation.
Kick back, relax
Enjoy how fuss-free the process is, and be promptly updated when it’s all done. It's that simple!
We’re on your side.
You’re not alone
Many banks, one touchpoint
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?
FROM THE BLOG
Tips for Home Financing
How to avoid paying ABSD
Follow these 6 easy steps
Frequently Asked Questions
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.
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