Free · Every figure dated · One reply, from a person

Know your rate.Before your lock-in ends.

Singapore home loan rates have fallen about two percentage points since early 2025. If you fixed back then, you're likely paying more than a full point above today's pricing — and most people only find out once their lock-in has already rolled over.

1.14%

3-month compounded SORA

1.65%

Lowest 2-year fixed in our July table

2.6%

HDB concessionary rate, unchanged

Figures as of 20 July 2026. We re-check monthly and date every number we publish.

What you get back

  • Your numbers against the market. We take your loan amount, tenure and current rate and show you the packages you'd actually qualify for — with the date each figure was captured.
  • The break-even, done properly. A lower rate isn't automatically worth it. Legal fees, valuation, subsidy clawback and any lock-in penalty all count — and we'll tell you plainly when it's not worth moving.
  • Reprice and refinance, compared. Staying with your existing bank is often the cheaper answer. We run both rather than assume the one that pays us.
  • A nudge when your window opens. Tell us when your lock-in ends and we'll flag it about three months ahead — while repricing and refinancing are both still on the table.

One thing people get wrong: a lower rate doesn't increase how much you can borrow. Banks still assess you at a 4% floor for private property and 3% for HDB, whatever rate you're actually offered. Cheaper money changes your monthly outlay, not your ceiling.

What are you looking for?

About a minute. Benjamin comes back with the comparison, usually within one working day.

Benjamin Tan Chloe Teo

Benjamin or Chloe replies personally.
No call centre, no handoff.

Your loan

Loan type *
Property type *

This decides when a conversation is actually useful to you. "Not sure" is fine — we'll help you find it.

%

If you know it, we can tell you the exact monthly gap.

Fixed or floating? *

Not sure? "Show me both" is the honest default — neither is structurally cheaper.

S$

How to reach you

Singapore mobile. WhatsApp works best.

Only if you'd like the comparison table sent over.

We use your details only to prepare your comparison and to talk to you about your mortgage. We don't sell them, and we don't pass them to a bank without asking you first. Reply STOP any time and we'll remove you within 24 hours.

Rather just ask? WhatsApp us directly

Got it — we're on it.

Benjamin will come back with your comparison, usually within one working day. If your lock-in is close, expect to hear sooner.

Want it faster? Send us your current bank on WhatsApp and we can usually give you the gap on the spot.

Send it on WhatsApp
Benjamin Tan

Benjamin Tan · CTB Realty

CEA-registered. Every rate here comes from a published bank or broker source with the capture date shown, and every conversation starts on WhatsApp with me — not a form, not a call centre.

Rate figures are collected from published bank and broker sources and dated on capture. They're indicative, not quotes — the rate you're offered depends on your loan size, property type and the bank's assessment. Nothing here is a guarantee of any rate or approval.