Tired of high interest rates?
Compare every bank in 60 seconds.
We compare mortgage rates from DBS, OCBC, UOB, StanChart, and HSBC. Lower rates, less paperwork, zero hidden fees. Free consultation.
Find out how much you can borrow
Live calculation, real numbers, no email required. Adjust the sliders and email yourself a copy of the scenario.
Loan details
Adjust the numbers to see your monthly payment update live.
Advanced: extra payment + income check
For TDSR check (55% limit on total debt repayments)
Your estimate
Live calculation. Email this scenario to keep it.
This calculator provides an estimate only. Actual rates depend on your credit profile, income, and the bank's assessment. Subject to TDSR/MSR limits and bank approval.
Every loan type, one broker
Whether it's your first HDB, an investment condo, or refinancing your existing loan, we handle the rate comparison and paperwork.
HDB Loans
Concessional rate or bank loan? We run the numbers so you can pick the cheaper one. First-time buyer packages available.
Private Condo
New launch or resale, we compare fixed vs floating packages across every major bank and negotiate the best spread.
Refinancing
Locked in before the rate hike? We refinance your existing loan, often with cashback and lower monthly payments.
Landed Property
Landed loans are different. We have the bank shortlist that actually lends on Good Class Bungalows and terraces.
Commercial
Shophouse, office, retail. Commercial loans have stricter TDSR. We structure deals to maximise your approval chance.
Equity Loan
Unlock the value of your paid-up property. Use the cash for renovations, investments, or business. No income proof needed.
All major banks, one broker
We work with every major mortgage provider in Singapore to find you the best rates and terms.
DBS Bank
Largest local bank
Special rates for first-time buyers, fixed and floating packages, refinancing with cashback.
OCBC Bank
Strong on refinances
Competitive refinancing packages, attractive fixed deposit home rates, 2-year locked-in deals.
UOB
Property market leader
Wide range of fixed and floating packages, no-lock-in options, investment property specialist.
Standard Chartered
Best for high net worth
Premium rates for high-income borrowers, flexible repayment, foreign currency options.
HSBC
Expat-friendly
Strong on expat and foreign income loans, premier packages, global transfer options.
Maybank
Often most competitive
Aggressive pricing on 2- and 3-year lock-ins, strong on HDB and EC.
Rates shown are indicative Year 1 rates for 30-year tenures and are subject to change. Last updated June 2026.
One broker. Every bank. Zero runaround.
BorrowCube is a Singapore mortgage brokerage built to take the legwork out of getting a home loan. We work with all major banks, compare their rates, and match you with the one that fits your profile. Our service is free for borrowers.
- MAS-licensed and compliant
- All major Singapore banks on one shortlist
- 4-hour reply, no runaround
Common questions
What is a mortgage broker and why should I use one?
A mortgage broker works with multiple banks to find you the best rate and terms. Instead of applying to 5 banks yourself, we compare them all and submit your application to the one most likely to approve you at the best rate. The bank pays us, you pay nothing.
How much does it cost to use BorrowCube?
Nothing. Our service is free for borrowers. We're paid by the bank when your loan is disbursed, so there's zero cost to you and the rate you get is the same as going direct.
What is the Total Debt Servicing Ratio (TDSR)?
TDSR limits your total monthly debt repayments to 55% of your gross monthly income. This includes the new mortgage plus all other debts (car loans, credit cards, other mortgages). The Mortgage Servicing Ratio (MSR) caps HDB/EC loans at 30% of income.
Should I choose a fixed or floating rate?
Fixed gives you payment certainty for 1-3 years. Floating tracks market rates and is usually lower initially but can rise. Most borrowers pick a split: 70% floating, 30% fixed, to hedge.
How long does the approval process take?
From application to approval letter: 2-4 weeks for most banks. From approval to disbursement: another 4-6 weeks, depending on legal completion. We chase the bank weekly so you don't have to.
What documents do I need to apply?
NRIC, last 3 months payslips, last 2 years IRAS tax assessment (NOA), last 6 months CPF contribution history, and the Option to Purchase (OTP) for the property. For refinancing, your existing loan statements.
Get a free quote in 4 hours.
Tell us a bit about your property and loan needs. We'll reply with a personalised rate comparison.
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