Get honest advice before signing your housing loan. We review bank rates, highlight hidden charges, and recommend what suits your budget and goals — not what pays the highest commission.
We compare multiple bank packages so you can choose what truly fits your goals.
Understand every fee and charge — not just the headline rate.
Tailored advice for first homes, upgrades, green properties, or refinancing.
We assist from application to approval, keeping the process clear and stress-free.
Borrow from as low as S$500, based on your income and credit profile.
Rates from ~1.99% p.a., with clear and transparent fees.
Choose between 6 to 60 months to suit your budget.
Enjoy quick processing — even faster if you’re an existing customer.
Simple one-time processing fee and clear early repayment terms.
| Minimum Income | Your income and debt servicing capacity |
| The type of property | (new / BUC, private vs public) and whether it meets any special criteria (e.g., Green Mark status) |
| Loan size conditions | Minimum loan size conditions for certain packages (e.g., the Green Home Loan may have higher minimums). |
| Fees | Expect fees such as valuation fees, legal fees, early-termination penalties (if you refinance too early), and possibly higher margins for non-green or non-BCA-certified properties. |
Your objectives,
budget, timeline.
Clear pros & cons for each bank
Aligned to your goals, not a bank’s.
Paperwork done right, status updates included.
We stay reachable if you need help later.
It is valid for 30 days from approval date. A home loan IPA is an approved loan amount based on the affordability of the borrower. However, it is not a binding document, and the final loan is subject to the property purchase price, valuation and other checks.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
You may borrow up to 6 times of your monthly income or S$30,000, whichever is lower. Please note that this is also subjected to approval based on your credit eligibility.
