Latest Home Loan Packages

                 

                Latest Home Loan Package
                • as of 30-Jun-2023
                • 1m SORA=3.75%
                • 3m SORA=3.65%

                 

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                Package 1

                Floating

                Lock in: 2 years
                •  4.2%
                  3m SORA+0.55%
                •  4.2%
                  3m SORA+0.55%
                •  4.45%
                  3m SORA+0.8%
                •   4.65%
                  3m SORA+1%
                • 4.65%
                  3m SORA+1%
                For Completed Ppty
                Min. loan 500k

                Package 2

                Fixed

                Lock in: 2 years
                • 3.50%
                   
                • 3.50%
                   
                •   4.65%
                  3m SORA+1%
                •   4.65%
                  3m SORA+1%
                •   4.65%
                  3m SORA+1%

                For Completed Ppty

                Min. loan 500k

                Package 3

                Fixed

                Lock in: 3 years
                • 3.50%

                • 3.50%
                   
                •   3.50%
                   
                •   4.65%
                  3m SORA+1%
                •   4.65%
                  3m SORA+1%

                For Completed Ppty

                Min loan 300k

                Package 4

                Floating

                Lock in: no lock
                • 4.25%
                  3m SORA+0.6%
                • 4.25%
                  3m SORA+0.6%
                • 4.25%
                  3m SORA+0.6%
                • 4.35%
                  3m SORA+0.7%
                • 4.35%
                  3m SORA+0.7%

                For BUC

                Min loan 500k

                Package 5

                Floating

                Lock in: 1 year
                • 4.15%
                  3m SORA+0.5%
                • 4.15%
                  3m SORA+0.5%
                • 4.15%
                  3m SORA+0.5%
                • 4.65%
                  3m SORA+1%
                • 4.65%
                  3m SORA+1%

                For Completed Ppty

                Min loan 800k
                 
                 
                 
                  
                  






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                      Why A Mortgage Broker

                      A Mortgage Broker is a financial expert who is proficient at handling the home loan process. Armed with vast financial knowledge, a Mortgage Broker is well-positioned to serve you in maximising your financial goals. A Mortgage Broker can:

                      • Evaluate the numerous and diverse mortgage packages offered by the various banks
                      • Choose the best deal that caters to your needs and wants
                      • Offer valuable and impartial financial advice
                      • Advise you of any blindspots in considering a suitable mortgage package
                      • Gather the cumbersome paperwork
                      • Handle the entire mortgage process
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                      SORA Historical Trend Chart

                      What is SORA and how is it calculated?


                      SORA (which is the Singapore Overnight Rate Average) is the volume-weighted average rate of actual borrowing transactions in the unsecured overnight interbank SGD cash market in Singapore. It is administered by the Monetary Authority of Singapore (MAS), and published at 9am on the next business day in Singapore.

                      The phrase “volume-weighted average” sounds daunting, but it simply means that the calculations consider the actual amount being lent.

                      Think of it this way: when calculating SORA, the interest rate for a S$100 million transaction is 5 times more important than the interest rate on a S$20 million transaction.

                      Why all the fuss over SORA? Well, it is the new benchmark interest rate introduced by the MAS that will replace the Singapore Interbank Offer Rate (SIBOR) and Swap Offer Rate (SOR) when they are phased out by 2024. Even if you have an existing home loan that is pegged to the SIBOR or SOR, you will have to switch over to a SORA-based one if your loan period ends after that.