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In Singapore, a mortgage loan refers to any type of financing secured against your property. Depending on your needs, there are three main types of mortgage loans you might consider:
A New Home Loan helps you finance the purchase of a new property—be it a BTO flat, resale HDB, condominium, or private home. You typically pay a downpayment first (either in cash or CPF), and the remainder is covered by the loan. Repayment is spread over 10–30 years, with interest charged on the loan amount.
A Home Equity Loan allows you to borrow money using the value of your fully-paid or partially-paid property as collateral. This is suitable for property owners who need extra cash—for business, education, or investment—without selling their home.
Mortgage Refinancing involves switching your existing home loan to a new one—either with the same lender or a different bank—to enjoy lower interest rates, better terms, or restructure your repayments. This is a popular way to save on interest over time.
Enjoy exclusive home loan rates with our trusted banking partners—through a seamless and efficient application process. At Lendify, we’re committed to helping you secure the best rates, thanks to our wide panel of lenders.
Have questions or need support? Our dedicated Mortgage Loan Officers are here to offer one-on-one assistance throughout your application journey.
Our service is completely free—and to top it off, you can enjoy up to 0.05%* cashback when you successfully secure a mortgage loan with us. More savings, more reasons to celebrate.
Getting a home loan doesn’t have to be complicated. With Lendify, the process is simple, fully online, and guided by our smart WhatsApp assistant—designed to match you with the best mortgage options for your needs.
Kick things off by sharing your home loan needs—whether you're buying a new home, refinancing, or exploring equity release.
Based on your input, our assistant will instantly show you personalised loan packages tailored to your financial profile.
Your preferred loan term and monthly instalment
While you can apply with banks or licensed moneylenders individually, using Lendify allows you to compare a wide range of personal loan options all in one place—saving you time and helping you secure the most competitive offer.
1. Apply on Our Website
2. Verify Your Details with Our Loan Specialist
3. Case Gets Listed on Marketplace
4. Lenders Reach Out on Offers
5. Accept Offer and Get Funded
Working with a mortgage broker like Lendify gives you access to a wide range of home loan offers from all major banks and financial institutions in Singapore—not just one. Our experienced team knows where to find the most competitive fixed and SORA-based rates, and we’re always updated on the latest loan packages.
Thanks to our long-standing relationships with our partners, Lendify also secures exclusive home loan deals that are not available to the public. We only work with reputable banks, law firms, and service providers to ensure that your mortgage process is smooth and transparent from start to finish.
Best of all? Our service is 100% free, and we pass on rebates directly to you.
A fixed rate offers stability. It stays the same throughout the lock-in period, so your monthly payments remain predictable—great if you value consistency. However, fixed rates are usually slightly higher than floating rates, and you could miss out on savings if market rates drop.
A floating (SORA) rate, on the other hand, moves with the market. This means lower rates when the market dips, but higher payments when it rises. Rates have surged post-COVID, climbing above pre-pandemic levels.
There’s no one-size-fits-all answer—it depends on your financial goals, market outlook, and appetite for risk. If you’re unsure, our team can guide you based on your specific needs.
You should consider refinancing your mortgage when:
Refinancing can potentially help you save thousands. If you’re unsure whether it’s the right move, reach out to us for a free consultation.
Refinancing typically comes with:
Some banks may also charge additional fees for unique situations. However, many of these costs are fully or partially covered by subsidies from your new lender.
At Lendify, we walk you through all the fees and explain the fine print—so you won’t get caught off guard by hidden charges now or down the road.
Easily compare offers from licensed lenders and reputable financial institutions in Singapore — all in one place.
