When securing a home loan in Singapore, first-time homebuyers have two primary pathways: approaching a bank directly or engaging a mortgage broker. The optimal choice depends on the buyer’s individual circumstances, knowledge of the market, and personal preferences.
Bank vs Mortgage Broker in Singapore – Which to Choose? Read More »
The downpayment for your BTO flat represents the first major financial hurdle in your homeownership journey. It’s not just about having enough savings; it’s about understanding the various payment schemes, eligibility criteria, and financing options available to make this process more manageable.
BTO Downpayment in Singapore: Your Complete Guide (2025) Read More »
In Singapore, one of the important factors shaping your mortgage payments is the Singapore Overnight Rate Average, or SORA. This benchmark which underpins many floating-rate home loans across the island, has been on a downtrend since early 2025, reaching levels not seen since late 2022.
Navigating the SORA Downtrend: A Homeowner’s Guide to Refinancing in Singapore Read More »
Stamp duties are the government’s way of taxing property transactions, and they serve a few purposes: cooling an overheated market, curbing excessive investment, and giving Singaporeans an edge over foreign buyers.
Stamp Duty on Home Purchases in Singapore: A Detailed Breakdown Read More »
Owning a home in Singapore is a dream worth celebrating—but the interest on your mortgage? Not so much. With rates that can shift and climb, finding ways to cut those costs can save you thousands and get you closer to owning your home outright.
A downpayment is your upfront stake in a property’s purchase price, with the rest covered by a home loan. Think of it as your financial foot in the door. A larger initial contribution—whether for an HDB flat or a condo—can shrink your loan, cut interest costs, and lighten your monthly repayments.
How Much Downpayment Do You Need for a Home Loan? Your Ultimate Guide Read More »
When managing your home loan in Singapore, you’ll eventually face an important financial decision: should you refinance or reprice your mortgage? While these terms sound similar, they represent distinctly different approaches to optimizing your home loan.
Refinancing vs. Repricing: What’s the Difference? Read More »
Calculate your maximum loan amount with our guide to loan eligibility in Singapore. Understand TDSR, LTV, and other factors that impact mortgage affordability.
Decoding Loan Eligibility: How Much Can You Borrow? Read More »
Is engaging a mortgage broker the right move for you? Engaging a mortgage broker in Singapore can be a significant
Is engaging a mortgage broker the right move for you? Read More »
Mortgage Insurance – Compulsory or Excessive? In Singapore, homeownership is a significant milestone. However, the journey doesn’t end with the
Your handbook to understanding mortgage better – 2024 Navigating the mortgage landscape in Singapore can be complex, especially with the
Your handbook to understanding mortgage better – 2024 Read More »