Free Mortgage Report Singapore | 16 Banks · Nexus
Free · 60 seconds · 16 banks

Your personalised
mortgage report —
delivered free.

Enter your numbers below and see your real monthly payment, TDSR/MSR position, and the lowest rates available across 16 Singapore banks. Full breakdown emailed instantly.

Banks compared
16
Avg. savings
$8,400/yr
Service fee
Zero
Step 01 of 02 · Inputs ~60 SECONDS
Rates updated today · 16 banks compared

Tell us about your loan.

Pick new purchase or refinance, fill in the basics. Your full report appears below — stress-tested at the MAS 4% floor.

Property & Loan Section 01 / 03
MSR cap of 30% applies to HDB & EC. Tenure default 25y.
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$
75% LTV is the typical maximum.
Max 30y HDB, 35y private. IWAA cap: —.
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Car loans, credit-card minimums, etc.
Borrowers Section 02 / 03 · up to 4 borrowers
Borrower 01 Drives TDSR / MSR / ABSD calcs
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Monthly · used at 100%
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Bonus, commission, rental — MAS haircut applied.
Owned
Counts existing residential properties only.
▸ Cash flow boosters (optional)
Pledged funds cash locked at bank for 4+ yrs · 100% ÷ 48 mths
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Show funds eligible assets shown but not locked · 30% ÷ 48 mths
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Funds position Section 03 / 03 · optional
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Combined CPF Ordinary Account balance — used for down payment, legal, monthly.
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Cash + savings available for down payment & duties (excluding CPF).
INDICATIVE ONLY · STRESS-TESTED AT MAS 4% FLOOR
MAS-compliant calculations
SSL-encrypted submission
Built by a Singapore mortgage advisor
Client outcomes

Real savings, real Singaporeans

“Refinanced from 2%+ down to 1.5%, effectively saving $400+ a month. Couldn't have asked for more — freed up extra cash for other investments.”

Steven
HDB · Punggol
$400+/mo saved

“Fast IPA — Dan really helped us navigate the complex loan packages and shortlisted 2 to 3 packages for us to choose from based on our loan amount and needs. If you don't use a mortgage broker you're missing out, and it's free — why not?”

Cheryl
HDB · Bukit Batok
Fast IPA

“Our property purchase journey was a little more complex due to some income limitations, but Dan gave us options that helped us get our dream home. Without his advice I wouldn't have been able to get the loan approved. Not only that, he advised on how we should exit if needed and how to plan the loan structure.”

Hong
Condo · Bukit Panjang
Loan approved

“Upgrading from HDB to condo, I needed a loan comparison, cash flow analysis and advice on what to do after the 2-year lock-in. Dan and his team gave me all I needed and more — better than my property agent's advice. His deep knowledge of the property market and decoupling strategy really helped me achieve my goal of owning two condos.”

Jude
HDB → Condo upgrader
Decoupling strategy
FAQ

Common questions

Is the report really free?
Yes. Banks pay us a referral fee when a mortgage closes, so the report and our advisory service cost you nothing. There is no obligation — many users just want to benchmark their current loan.
How accurate are the rates?
Rates shown are indicative and refreshed regularly with packages from 16 Singapore banks. The exact rate you receive depends on bank credit assessment, valuation, and the loan amount. We confirm every rate before you sign anything.
Why do you need my contact details?
Two reasons. First, we email you a PDF copy of the report you can refer back to. Second, a Nexus broker reaches out within 24 hours to answer questions and lock in your rate if you're ready. We never share your data with third parties.
What is TDSR and MSR?
TDSR (Total Debt Servicing Ratio) caps your total monthly debt payments at 55% of gross income, stress-tested at MAS's 4% floor. MSR (Mortgage Servicing Ratio) applies only to HDB and EC purchases, capping the mortgage portion at 30%. The report tells you exactly where you stand against both.
Does it work for HDB and private property?
Yes — both. Toggle the property type in the calculator. For HDB and EC, we apply the MSR cap on top of TDSR. For private property, only TDSR applies. The report adjusts automatically.
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