Using daily refreshed partner rates.
Rate package
Home loans
Home loan application help in Singapore
Estimate a home loan, compare package fit, and send a tracked Homejourney Mortgage request.
Loan details
Home-loan estimates are indicative and must be verified against bank package terms before you commit.
Monthly payment
S$4,473
- Loan amount
- S$1,110,000
- Total interest payable
- S$500,280
Cash needed
- Downpayment
- S$370,000
- BSD
- S$43,800
- Legal fees (est.)
- S$2,500
Submit a home loan request
Homejourney Mortgage will compare current packages and help you plan the next step.
- Loan amount
- S$1,110,000
- Loan tenure
- 30 years
- Loan purpose
- Purchase
Loan comparison
Compare daily refreshed partner packages, verified 21 Oct 2026.
| Package |  Maybank 3-Month SORA |  Mortgage Master 3-Month SORA |  OCBC 3-Month SORA Flexi | Mortgage Master 1-Month SORA (With 200K Deposit) |
|---|---|---|---|---|
| Interest rate (p.a.) | 1.45% | 1.45% | 1.50% | 1.52% |
| Monthly repayment | S$3,804 | S$3,804 | S$3,831 | S$3,841 |
| Total interest | S$259,440 | S$259,440 | S$269,160 | S$272,760 |
| Lock-in period | 2 years | 2 years | 2 years | 2 years |
| Minimum loan | S$1,000,000 | S$1,000,000 | S$800,000 | S$800,000 |
| Package notes | (Minimum loan amount requirement applies) Year 1: 3M SORA + 0.20% Year 2: 3M SORA + 0.20% Year 3: 3M SORA + 0.75% Thereafter: 3M SORA + 1.00% - One free conversion after 12 months Cash rebate for refinancing only 0.4% of loan amount, capped at $2,500 | (Minimum loan amount requirement applies) Year 1: 3M SORA + 0.20% Year 2: 3M SORA + 0.20% Year 3: 3M SORA + 0.65% Thereafter: 3M SORA + 0.75% - One free conversion after 12 months - Up to 20% partial repayment is allowed per year during lock in - 50% waiver due to sales and refund another 50% if client takes the same or higher loan amount within 6 months Cash rebate for refinancing only Private Loan amount above 450K - $2,000 Private Loan amount above 1.0M - $2,500 HDB loan amount above 250K - $2,000 | (Minimum loan amount requirement applies) Year 1: 3M SORA + 0.25% Year 2: 3M SORA + 0.25% Year 3: 3M SORA + 0.50% Thereafter: 3M SORA + 0.75% - One free conversion anytime - Waiver due to sale anytime - Up to 50% partial repayment is allowed during lock-in - No need to pay bank's fire insurance for MCST property Cash rebate for refinancing only Private Loan amount above 500K - $2,000 Private Loan amount above 1.0M - $2,500 Private Loan amount above 1.5M - $2,800 | (Minimum loan amount requirement applies) (Must fund 200K before loan disbursement) Year 1: 1M SORA + 0.20% Year 2: 1M SORA + 0.20% Year 3: 1M SORA + 0.40% Thereafter: 1M SORA + 0.75% - One free conversion after 12 months - 100% waiver of penalty due to sale if loan above 800K - Up to 30% partial repayment allowed during lock in - Smart mortgage (up to 70% interest offset) Cash rebate For refinancing only Loan amount above 600K - $3,500 |
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