UOB Home Loan Rates Singapore
UOB 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. UOB is often strong on 2- and 3-year fixed pricing, which suits buyers who want to lock a payment through the early, interest-heavy years of the loan.
UOB Home Loan Packages
Representative lowest-tier rate for each UOB 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% | 1.43% | 1.48% | 1.83% | > $1.5M |
| 2-Yr Fixed | 2 yr | 1.50% | 1.50% | 1.58% | 2.08% | > $1.5M + (Pty valuation >$3M or $350K Privilege sign up ) |
| 3-Yr Fixed | 3 yr | 1.60% | 1.60% | 1.60% | 2.08% | > $700K |
| 3M SORA (Floating) | 2 yr | 1.07% | 1.37% | 1.68% | 1.83% | > $1M |
| 1M SORA (Floating) | 2 yr | 1.13% | 1.43% | 1.67% | 1.82% | > $1M |
Indicative only — not an offer of credit. Rates are subject to United Overseas Bank (UOB)’s confirmation at application and change frequently. SORA reference: 3M 1.08%, 1M 1.07% (as of 2026-06-26). For your exact eligible rate, get a free personalised report.
Is UOB Right For You?
UOB frequently competes hard on multi-year fixed packages and is a mainstay for both new purchases and refinancing. The advertised rate is the top loan-quantum tier; your real rate depends on loan size and profile. We benchmark UOB against DBS, OCBC and 13 other banks so you only take UOB when it is the genuine winner for your numbers.
We’re an independent broker — not a UOB salesperson. We’ll tell you whether UOB genuinely wins for your numbers, free of charge.
Ask an Independent Broker →UOB Home Loan Questions
Are UOB fixed rates good for a 3-year lock?
UOB is often competitive on 2- and 3-year fixed packages, which appeal to buyers who want payment certainty through the early years when interest makes up most of the instalment. Whether UOB’s 3-year fixed is the cheapest for you depends on the week and your loan size — we compare it live against the market.
Does UOB offer SORA home loans?
Yes. UOB offers floating packages pegged to the 1-month and 3-month compounded SORA. The 1-month reprices faster; the 3-month is smoother. With SORA around 1.08% in mid-2026, these have been attractive starting rates, but they move with the market.
Can Nexus get me a better UOB rate than going direct?
You will not get a ‘secret’ lower headline rate through a broker — UOB’s pricing is UOB’s pricing. What we do is make sure UOB is actually your cheapest option before you sign, handle the paperwork, and negotiate spread and subsidy where there is room. Our service is free to you.
Want the cheapest rate — UOB or otherwise?
We compare UOB against every major bank in Singapore and handle the paperwork — at zero cost to you.
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