Standard Chartered Home Loan Rates Singapore
Standard Chartered prices home loans as fixed-rate packages (1–3 year locks) and SORA-pegged floating packages on the 1-month and 3-month compounded SORA. It is well known for MortgageOne, an interest-offset current account where your deposits offset the interest charged on the loan — useful if you keep a healthy cash balance.
Standard Chartered Home Loan Packages
Representative lowest-tier rate for each Standard Chartered package type, as of 11 May 2026. Rates step up after the lock-in and reprice by loan quantum — the exact rate you qualify for depends on your loan size and profile.
| Package | Lock-in | Year 1 | Year 2 | Year 3 | Thereafter | Min. loan |
|---|---|---|---|---|---|---|
| 1-Yr Fixed | 2 yr | 1.40% | 1.50% | 1.55% | 2.10% | > $1.2M or $1M Priority clients |
| 2-Yr Fixed | 2 yr | 1.45% | 1.45% | 1.55% | 2.10% | > $1.2M or $1M Priority clients |
| 3-Yr Fixed | 3 yr | 1.88% | 1.88% | 1.88% | 2.10% | > $1.2M or $1M Priority clients |
| 3M SORA (Floating) | 2 yr | 1.33% | 1.33% | 1.48% | 1.68% | > $1.2M or $1M Priority clients |
| 1M SORA (Floating) | 2 yr | 1.35% | 1.35% | 1.50% | 1.70% | > $1.2M or $1M Priority clients |
Indicative only — not an offer of credit. Rates are subject to Standard Chartered Bank (Singapore)’s confirmation at application and change frequently. SORA reference: 3M 1.08%, 1M 1.10% (as of 2026-06-30). For your exact eligible rate, get a free personalised report.
Is Standard Chartered Right For You?
Standard Chartered is a mainstay for both purchases and refinancing, and MortgageOne can cut real interest cost for cash-rich borrowers. The advertised rate is the top loan-quantum tier; your actual rate depends on loan size and profile. We benchmark Standard Chartered against DBS, OCBC, UOB and 12 other banks so you take it only when it is the genuine winner for your numbers.
We’re an independent broker — not a Standard Chartered salesperson. We’ll tell you whether Standard Chartered genuinely wins for your numbers, free of charge.
Ask an Independent Broker →Standard Chartered Home Loan Questions
What is Standard Chartered MortgageOne?
MortgageOne links your home loan to a current account: the balance you hold there offsets part of the loan, so interest is charged only on the net figure, while your cash stays accessible. It suits borrowers with a large, steady cash buffer. The package rate can be a little higher than a plain floating loan, so compare the net interest saving against a standard SORA or fixed package before choosing.
Does Standard Chartered offer SORA home loans?
Yes. Standard Chartered offers floating packages pegged to the 1-month and 3-month compounded SORA. The 1-month reprices faster (falls and rises sooner); the 3-month is smoother. Both moved with the market, which sat around 1.08% SORA in mid-2026.
Is Standard Chartered good for refinancing?
Standard Chartered is a common refinance destination and often provides a legal subsidy on larger loans that offsets most switching costs. Whether it is your cheapest refinance depends on the rate gap and any lock-in on your current loan — we run the break-even before you switch.
Want the cheapest rate — Standard Chartered or otherwise?
We compare Standard Chartered against every major bank in Singapore and handle the paperwork — at zero cost to you.
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