We compare home loan rates from all 16 major Singapore banks — DBS, OCBC, UOB, Maybank, StanChart & more. Fixed rates and SORA packages, for HDB flats and private property. Our service is 100% free to you — the bank pays our referral fee upon disbursement.
Banks offer dozens of packages. Rates change every quarter. The wrong choice can cost you tens of thousands of dollars over your home loan term.
That is where Nexus Mortgage comes in. We are an independent broker. We do not work for any bank — so our advice is completely unbiased. We compare home loan packages from over 16 lenders and recommend the one that saves you the most.
Compare all 16 major banks in one place — no need to call each bank yourself
100% free service — banks pay our referral fee; you pay nothing
We advise on both fixed rate and SORA-pegged packages — we explain the difference clearly
We handle your TDSR and MSR calculations, paperwork, and bank submission for you
Whether you are buying an HDB flat or a private condo, we have the right home loan for you
Most clients save between $10,000 and $30,000 over their loan period by switching to a better home loan rate. WhatsApp us and we will send you a free comparison within 24 hours — no obligation, no pressure.
Get Free Home Loan ComparisonNot sure which route to take? Here is a quick comparison to help you decide.
| HDB Loan | Bank Loan | |
|---|---|---|
| Current Rate | 2.6% p.a. | From 1.40% |
| Down Payment (Cash) | $0 cash | Min 5% cash |
| LTV | 75% | 75% |
| Lock-In Period | None | 2–3 years |
| For Private Property | ✗ No | ✓ Yes |
| Can Refinance Later | To bank only | ✓ Any bank |
Rates updated April 2026. Bank fixed rates revert to floating after lock-in. Subject to individual bank credit assessment and TDSR/MSR eligibility. Does not constitute financial advice.
Ask Us Which Is Right for You →From first-time buyers to seasoned investors — expert home loan guidance across every property type in Singapore. HDB loans, private residential, commercial, and refinancing.
HDB, condominium, landed — we find the best home loan rate from all 16 banks for your dream property.
Shophouses, offices, industrial — competitive financing for commercial property investments.
Lock in a lower SORA or fixed rate and cut monthly repayments. We handle the full bank-switching process at no cost.
Unlock equity through cash-out refinancing or equity term loans for immediate liquidity.
Buying a new property? We compare all lenders, advise on HDB vs bank loan, and secure in-principle approval before you commit.
Use your fully-paid property as collateral for a flexible term loan at competitive bank rates.
Structuring property assets to optimise legacy, reduce liabilities, and protect generational wealth.
Know your home loan borrowing limit before you bid — full TDSR/MSR analysis and in-principle approval from your chosen bank.
Not sure which service applies to your situation?
Talk to us — we'll assess your profile and recommend the right approach, free of charge.
Get a Free AssessmentBelow are indicative home loan rates from Singapore's major banks. We access all of these — and negotiate the best package for your profile at no cost to you.
| Bank | Package Type | Indicative Rate | Lock-In | Best For |
|---|---|---|---|---|
| DBS | Fixed 2-yr | ~1.55% p.a. | 2 yrs | Rate certainty |
| OCBC | SORA + spread | ~1.45% p.a. | 2 yrs | Rate-optimisers |
| UOB | Fixed 3-yr | ~1.60% p.a. | 3 yrs | Long-term stability |
| Standard Chartered | Fixed 2-yr | ~1.50% p.a. | 2 yrs | Private property |
| HSBC | SORA + spread | ~1.42% p.a. ★ | 2 yrs | Lowest current rate |
Rates are indicative and updated April 2026. Subject to change without notice. Final rates subject to individual bank credit assessment. Does not constitute financial advice.
Get My Exact Rate — Free →Tell us your situation — property type, budget, timeline. We assess TDSR/MSR eligibility and explore your options.
We canvas every lender's current packages — fixed, floating, SORA-pegged — and present a clear, unbiased comparison.
Choose your best package. We handle all paperwork and bank liaisons. The bank pays our referral fee — zero cost to you.
With over a decade of expertise in Singapore's mortgage market, our team cuts through complexity to find you the perfect loan. We handle the paperwork, negotiate rates, and guide you every step of the way.
Estimate your monthly repayment and check TDSR / MSR eligibility — or switch to Advanced for a full 2026 joint-borrower assessment with IWAA stress-test diagnosis.
Property Type
Purchase Price (S$)
Down Payment (S$)
25.0%MAS min. 25% (5% cash + 20% CPF/cash) for bank loans
Interest Rate (% p.a.)
Loan Tenure (Years)
Affordability Check
Gross Monthly Income (S$)
Principal vs Interest Over Time
We have access to current mortgage packages from every major lender — so you never miss a better deal.
Unlike going directly to a bank, we work for you — not any single lender. We present options across the entire market so you get the best deal. And because the bank pays our referral fee upon disbursement, our advice is always completely free and unbiased.
Check My Eligibility — FreeNo hidden packages, no conflicts of interest. Every option is laid out clearly for you.
Same-day comparisons. We move at your pace — especially for urgent property purchases.
Singapore citizens, PRs, foreigners, self-employed — we handle every borrower profile.
Referral fee paid by the bank upon successful loan disbursement. You pay absolutely nothing.
"Saved us S$180 a month on our HDB loan. The comparison was eye-opening."
Bukit Timah · Refinancing
"First-time buyer — overwhelmed by the options. Nexus made it simple and got us approved in days."
Jurong East · New Purchase
"Complex self-employed profile and foreign income. They found a lender that others couldn't."
CBD · Commercial Loan
Fill in your details and we'll respond within 24 hours with a personalised comparison. No obligation — no cost.