Mortgage Loan | Lendingpot Singapore

Q: Should I get fixed or floating rates for my mortgage?

A fixed rate is safer and more reliable because your monthly payment will not change even if market rates go up. However, it is often higher than a floating rate, and you risk being "locked in" if market rates drop later. A floating rate (usually tied to SORA) is more volatile and changes with market movements.

Q: Why should I talk to a mortgage broker when I can go directly to the bank?

Instead of visiting just one bank, a broker helps you compare home loan offers from all Singaporean banks and financial institutions at once. We stay updated on the most affordable fixed and SORA interest rates, so you don't have to. Lendingpot also has access to exclusive rates and packages that are not available to the general public due to our long-standing partnerships. We work with trusted banks and legal firms to ensure your application is quick and easy. The best part? Our service is always free for you, and we even share a 0.5% cashback reward with our clients.

Q: What is the maximum I can borrow for a mortgage?

To get the best mortgage loan rate in Singapore, you must follow specific rules set by the authorities. You can usually borrow up to 75% of the property's value, known as the Loan-to-Value (LTV) limit. Additionally, your total monthly debt payments cannot exceed 55% of your gross income, which is the Total Debt Servicing Ratio (TDSR).

Q: Can foreigners get a mortgage in Singapore?

Yes, foreigners can get a mortgage loan in Singapore for private properties. Please note that different limits and taxes, like the Additional Buyer's Stamp Duty (ABSD), will apply to your purchase.

Q: What are current mortgage rates in Singapore?

Mortgage loan rates in Singapore currently fluctuate, typically ranging from 1.30% to 4.0%, depending on whether you choose a fixed or floating rate. To find the best mortgage loan in Singapore, compare loans today to see live offers from multiple banks.

Why Use Lendingpot For Your Mortgage Loans

We Do the Legwork

We send your request to over multiple at once, so they compete to offer you a mortgage loan in Singapore that fits your income.

Find Hidden Deals

Not every low rate is advertised. Our platform helps you uncover mortgage loan rates in Singapore you might not find on your own.

Total Transparency

We break down the jargon so you can see the true mortgage interest rate in Singapore, without hidden fees.

Receive 0.05% Cashback*

Successfully secure your home loan through Lendingpot and enjoy 0.05% cashback on your approved loan amount.*

Check Mortgage Loan Eligibility

Loan Amount (SGD)

$0 $10,000,000

$500,000

Loan Tenure (years)

5 years 30 years

25 years

Interest Rate (% per annum)

1% 10%

Expected monthly
repayment

$2,371.06

Rates shown above are Effective Interest Rates (EIR). Actual rates and repayments may vary. Subject to the lender's final assessment.

Calculate Your Monthly Loan Repayments

Use our calculator to get a clear view of your potential repayment schedule for a loan in Singapore.

Choose the Perfect Loan For You

Choose from a range of mortgage loans with competitive home loan rates and flexible monthly payments tailored to your budget.

2 Years | Floating Rate

3M SORA + 0.28%

*As of 15 October 2026, the 3-month (3M) Compounded SORA in Singapore is approximately 1.2418%.

Know Your Mortgage Rate Types

Fixed Rates

Total certainty with a locked-in interest rate and constant monthly repayments for a specific period (typically 1 to 3 years), insulating you from market hikes.

Floating Rates

Interest rates pegged to transparent market benchmarks (primarily Compounded SORA or bank Fixed Deposit Home Rates) allowing your monthly installments to decrease when market rates drop.

Hybrid Rates

A balanced risk strategy where your total loan quantum is divided, one portion is secured under a fixed rate for stability, while the remainder is placed on a floating rate to capture potential market drops.

How Our Mortgage Loan Works

Message Us On WhatsApp

First, start by indicating your home loan needs, whether it's a new purchase or a refinance.

WhatsApp chat with Lendingpot to start a mortgage loan enquiry

Get Personalised Rates

Our friendly agent will connect with you to understand your needs and share home loan options and rates, especially for you!

Choose Your Best Option

When you're ready to proceed, your contact details will be securely sent to the chosen bank, ensuring a seamless transition from inquiry to application.

Secure Your Mortgage

After accepting your preferred offer, our mortgage specialist will guide you through the application, documentation, and completion process until your loan is successfully disbursed.

Receive Your Cashback

Once your eligibility has been verified, the 0.05% cashback* will be credited according to the promotion fulfilment timeline.

Check Mortgage Loan Eligibility

Phone showing a Lendingpot cashback confirmation

Terms & Conditions

Receive 0.05% cashback on eligible mortgage loans, mortgage refinancing or equity term loans arranged through Lendingpot with participating banks. The loan amount must exceed S$500,000, and cashback is capped at S$5,000.
The promotion is available to Singapore residents who submit their enquiry through Lendingpot, successfully obtain final and unconditional approval, complete the loan through an eligible partner bank and submit a Google Review of their experience.
Cashback will be credited to the eligible customer’s bank account within 90 days after the campaign ends, subject to verification and submission of the required loan and bank account details.
Participating banks include DBS, Standard Chartered, UOB, OCBC, CIMB, RHB, Maybank and HSBC.
The promotion cannot be combined with other offers. Credit criteria, fees, charges, eligibility requirements and exclusions apply.
Loans arranged outside Lendingpot are not eligible, and Lendingpot reserves the right to amend or withdraw the promotion.

The “Move-In” Loan You Won’t Get Anywhere Else

We want to help you start your new life on a solid foundation. That’s why we offer a reward that banks simply don’t.

Free to Use, No Pressure

Seeing your matched offers costs $0. There is no obligation to take a loan unless it is the right deal for your budget.

Professional Advisory

If you require clarification on loan tenures or repayment types, our support team can provide technical guidance on the terms and conditions.

Access Multiple Lenders

Submit one digital request to view offers from multiple lenders. This transparency lets you identify the most competitive interest rates.

Frequently Asked Questions About Mortgage Loans In Singapore

Have a different question? View all FAQs here

Should I get fixed or floating rates for my mortgage?

Why should I talk to a mortgage broker when I can go directly to the bank?

What is the maximum I can borrow for a mortgage?

Can foreigners get a mortgage in Singapore?

What are current mortgage rates in Singapore?

Disclaimer: At Lendingpot, we aim to provide accurate, objective and up-to-date information. The details you see on our site may be different from others. Some content may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. All financial products and services are presented without warranty. The list of financial products displayed on this website are not exhaustive.

Lendingpot Private Limited (UEN:201011505E) is a subsidiary of the IFS Capital (UEN: 198700827C) group of companies.

Warning: You have to repay your loans. Don't pay any intermediaries.

Apply For the Best Mortgage Loan In Singapore

Enjoy 0.05% Cashback* on Your New Mortgage Loan

Why Use Lendingpot For Your Mortgage Loans

Loan Amount (SGD)

Loan Tenure (years)

Interest Rate (% per annum)

Calculate Your Monthly Loan Repayments

Type of Mortgage Loans We Offer

Choose the Perfect Loan For You

Know Your Mortgage Rate Types

How Our Mortgage Loan Works

Hear from our happy customers

The “Move-In” Loan You Won’t Get Anywhere Else

Manage Your Home Loan and Monthly Budget

Frequently Asked Questions About Mortgage Loans In Singapore

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