Variable Rate
Best Sibor Package


2 years lock-in
Fixed Rate
Best Fixed Rate


2 years fixed

Other Complimentary Services:

  • Professional & unbiased mortgage guidance
  • Easy comparison of banks’ interest rate packages
  • Valuation Check (for private property)

Financial Calculators

Get the bigger picture, find out what you really need.

Affordability Calculator

Know your maximum loan amount and property purchase price.
Calculate affordability

Buyer’s Stamp Duty

Know the required tax on documents related to buying a home.
Calculate Buyer’s Stamp Duty

Seller’s Stamp Duty

Know the required tax on documents upon selling your property.
Calculate Seller’s Stamp Duty

In-depth mortgage report

Let us do the math! We’ll help you generate a Comprehensive Mortgage Report which includes your loan eligibility, Cash / CPF downpayment required, information on upfront costs like stamp duty, legal fees and the monthly installment amount – all for free.

Got a Question?

We answer some of the top questions we get asked the most.

If you take a referral fee from the banks, will you still be able to give me the best mortgage rates?

As Official Bank Partners, we receive the same commission fee from all banks in Singapore. This allows Ohmyhome Mortgage Advisory to provide an unbiased recommendation of the best loan that suits your profile needs.

If I take a loan from the bank, what type of loan should I take?

Are you planning to sell the property after a few years? That is an important point to consider because it determines whether a fixed or floating interest rate suits you better. As Singapore inter-bank rates trend very closely to US Fed Rates, a fixed rate loan may be wise as a hedge against rates hikes because there is a possibility that the US Federal Reserve will raise interest rates in the near term. However, fixed-rate loans typically come with lock-in periods, and you are subject to fork out penalties if you pre-pay the loan within the lock-in period.

What kind of repayment options are available?

The maximum loan tenure for HDB loans is 25 years, or up to age 65, whichever is lower, for financing up to 80%. A maximum loan tenor can be up to 30 years for financing of up to 60%. For private residential properties, there's a pre-set matrix. For the first private residential loan, you can borrow up to 80% if (1) The Loan tenure does not exceed 30 years (2) Age at the end of loan tenor does not exceed 65. For financing up to 60% on the first private residential loan, the maximum loan tenor is capped at 35 years.

I would like to refinance my existing home loan with my existing bank. Can you help me?

Our experienced Mortgage Specialist will review your current interest rate package and recommend suitable refinancing options.

Still Have Questions?

Our Mortgage Specialists are ready to assist you. It's free, so ask away!