The Total Debt Servicing Ratio (TDSR) limits your total monthly debt repayments to 55% of your income. The Mortgage Servicing Ratio (MSR) applies only to HDB and EC units, capping your monthly mortgage at 30% of your income.

Your maximum loan is determined by the Loan-to-Value (LTV) limit, which is typically 75% for your first home loan. The remaining 25% must be covered by a combination of cash and CPF.

Yes. Many homeowners use our calculator to find better rates when their initial lock-in period ends, allowing them to refinance and lower their monthly instalments.

Usually, one must pay for valuation and legal expenses. Some banks may additionally levy a one-time processing fee for commercial properties. There may be additional costs in unique situations. However, the subsidies provided by the new bank can typically cover the cost, in whole or in part. To prevent you from paying extra or hidden fees now or in the future, we make sure you understand all charges and translate any technical terms.

Generally speaking, if your lock-in and claw-back periods on your mortgage loan are about to end, or if there is a significant disparity between your loan interest rate and current market rates, it is a good time to refinance. If unsure, don't hesitate to get in touch with us for a free consultation.

Mortgage brokers help you compare home loan offers from all Singaporean banks and financial institutions. We are aware of the most affordable fixed and SORA home loan rates. The best housing loan rates in Singapore may be found right here if you're seeking them. Lendingpot also has access to exclusive rates and packages that are not available to the general public, thanks to our long-standing partnerships. We also collaborate with trustworthy banks and legal companies, to whom we entrust our clients. They ensure the process of applying for a house loan is quick and easy. The best part is that our service is always free, and we share rebates with our clients.