Home-loan advisory — get the lowest rate
The loan is usually the biggest lever on your return — a fraction of a percent across a 25–30 year tenure is real money. HomeVestor partners with Loan Experts, an independent Singapore mortgage brokerage, to compare 100+ packages across every bank free and lock in today’s lowest rate. No obligation, and it costs you nothing — the bank pays the broker.
How independent mortgage advisory works
What a broker does
- Compares packages across all the major banks at once — not just one bank’s shelf.
- Matches the package to your plans — how long you’ll hold, lock-in tolerance, prepayment needs.
- Handles the paperwork and liaises with the bank through to approval.
- Free to you — the bank pays the broker a referral fee, so advice is at no cost.
Fixed vs floating — quick guide
Fixed locks your rate for a set period — certainty, usually a small premium, good if you value stable instalments or expect rates to rise.
Floating (usually SORA-linked) moves with the market — often cheaper today, with a shorter lock-in, good if you may sell or refinance soon or expect rates to fall.
A broker models both against your actual loan and holding plan.
When to review or refinance
Refinance triggers
- Your lock-in is ending (or has ended) — the go-to “thereafter” rate is usually higher than a fresh package.
- A meaningfully lower package is available — even 0.3–0.5% across a large balance is worth the switch costs.
- Your plans changed — you now want to hold longer, prepay, or fix for certainty.
Before you commit to a purchase
Get your numbers straight first: work out your borrowing limit and cash outlay with Buying Power, and understand the loan caps (TDSR 55%, LTV 75%, 4% stress rate) and stamp duties in the Rules & Costs centre. Then a broker can quote against a realistic loan size.