✓ MAS-regulated banks only · Independent

Singapore's smartest
mortgage platform

Compare live rates from DBS, OCBC, UOB, SCB, HSBC — and see the true total cost, ABSD, and TDSR before you sign anything.

1.28%
Best floating rate today
5 banks
Compared daily
4.8 ★
2,400+ verified reviews
Free
No obligation
3-Month compounded SORA
Published by MAS · Best floating = SORA + bank spread
0.53% live
Independent · not bank-owned
BSD & ABSD calculated live
MAS TDSR / MSR compliant
HDB & private property
2,400+ happy homeowners
Live rates · updated daily
Today's best packages
Sorted by lowest rate. DBS, OCBC, UOB, SCB, HSBC. 3M SORA = 0.53% as of June 2026. Floating = SORA + bank spread.
BankRateTypeLock-in
Rates indicative. For loans ≥ S$500k. Actual rates subject to bank credit assessment. Floating = 3M SORA + bank spread.
Three tools · one place
Know your numbers before you commit
True total cost, TDSR eligibility, and repayment comparison. Enter your figures below.
Enter a valid price (min S$100,000)
Check loan amount
Enter a rate (0.1%–15%)
Principal vs interest paid each year
PrincipalInterest
Enter values above to calculate.
Income must be at least S$500
Down payment cannot exceed price
Enter a valid rate
Max loan (TDSR 55%)
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Monthly repayment
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Your TDSR ratio
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MSR ratio (HDB)
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TDSR 55% applies to all property types. MSR 30% applies to HDB purchases only. Stress-test rate may be applied at application stage. Figures are indicative only.
Enter a valid rate
Enter a valid rate
Outstanding balance over tenure — rate 1 vs rate 2
Enter values above to compare.
Get matched · free
Find your ideal package in 2 minutes
5 questions — a mortgage specialist contacts you with personalised offers within 1 business hour.

Mortgage matching wizard

Step 1 of 5 · Property type

Verified reviews
What Singapore homebuyers say
From HDB upgraders, private property buyers, and refinancers.
4.8
★★★★★
5 ★
1,970
4 ★
336
3 ★
72
2 ★
24
2,402 verified reviews
TL
Tan Li Ying
HDB owner · Ang Mo Kio · Apr 2026
★★★★★

"I was paying 2.8% for years without realising. HomeLedger showed me I could save S$680/month. Their advisor called me the next day and walked me through everything — no jargon, no pressure."

Refinanced
RK
Rajesh Kumar
First-time buyer · Jurong West · Mar 2026
★★★★★

"The true cost calculator was a revelation. I had no idea ABSD and stamp duty would add S$36,000 upfront. Made my planning so much more accurate. Saved money vs going direct to the bank."

First purchase
LM
Linda Mok
Private condo · Tampines · May 2026
★★★★★

"54 years old and not very tech-savvy, but this website was so easy to use. I completed the 5-question form and a specialist called within the hour. Recommended HomeLedger to all my friends."

Refinanced
Common questions
Frequently asked questions
Plain-English answers to Singapore mortgage questions.
What is SORA and how does it affect my rate? ▼
SORA (Singapore Overnight Rate Average) is the MAS benchmark that replaced SIBOR/SOR in 2021. SORA-pegged loans reset quarterly. The 3-month compounded SORA as of June 2026 is 0.53% p.a. The best floating rate today is 1.28% p.a. (SORA 0.53% + spread 0.75%). When SORA falls, your rate falls with it.
Who pays ABSD and how much? ▼
Singapore Citizens pay 0% on their first property, 20% on their second, 30% on third+. Permanent Residents pay 5% on first, 30% on second+. Foreigners pay 60% flat. ABSD must be paid fully in cash within 14 days of signing — CPF cannot be used. Per IRAS schedule unchanged since April 2023.
Fixed vs floating — which is better right now? ▼
As of mid-2026, 3M SORA is 0.53%, making floating packages (from 1.28%) significantly cheaper than 2-year fixed packages (from 2.65%). If you believe rates will continue to fall or stay low, floating makes sense. If you want payment certainty, fixed gives peace of mind. Use the Repayment Schedule calculator to compare total interest at both rates.
How much down payment do I need? ▼
For a first property with a bank loan: minimum 25%, of which at least 5% must be cash. The remaining 20% can come from CPF OA. For an HDB loan, minimum 20%, which can be fully from CPF. For a second property or if you have an existing loan, the LTV tightens and cash requirements increase significantly.
What is TDSR and will I pass? ▼
TDSR (Total Debt Servicing Ratio) limits total monthly debt obligations to 55% of gross monthly income. If you earn S$8,000/month, maximum total debt repayments = S$4,400. Use the TDSR Eligibility calculator above to check your position instantly. HDB purchases have an additional MSR limit of 30% of gross income.
🔔 Rate drop alert · free
Tell us your target rate. We’ll notify you the moment it’s available.
Set your desired interest rate and we will contact you as soon as a bank offers a package at or below that level — no need to keep checking.
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Rate Drop Alert

Currently monitoring DBS, OCBC, UOB, SCB & HSBC daily · Best rate today: 1.28%

Best rate today
1.28% p.a.
DBS · 3M SORA + 0.75% · June 2026
✓ Rates updated daily
3M SORA = 0.53% · Floating

Choose a target rate, or enter your own below

1.10% Conservative Likely within 2026
1.00% Moderate If SORA falls further
0.85% Ambitious Historic low territory
How it works: Once you submit, a HomeLedger advisor will monitor rates for you. When any bank offers a package at or below your target, we will contact you immediately so you can lock it in before others do.

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