Mortgage Master | Mortgage Broker Singapore
"Mortgage Master is a one-stop mortgage platform based in Singapore. We partner with major banks and financial institutions to provide the lowest, unpublished housing loan rates to our clients.
At Mortgage Master, we never tire of doing what is right. Our mortgage consultants have decades of combined experience in the banking industry and have assisted over 6,500 satisfied clients to lighten their loan, referring almost SGD800 million in home loans.
Through our free service, our clients receive personalised home loan advice based on their financial status and risk appetite. They testify to our willingness to go above and beyond to help them with all their mortgage needs."
About This Business
Mortgage Broker & Consultant | Best Home Loan Rates Singapore (2025)
We're Your Mortgage Broker
Specialists Providing the
Best Loan Rates in Singapore
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* Executive Condo
* Private Condo
* Private Landed
I wish to take a loan of $ for a period of years
Show me the best loans!
Alternatively, contact our agents now!
I’m buyingI’m refinancing
Our Featured Products
2 Year Fixed Flexi (Green Mortgage) First Year Interest 1.40% First Year Monthly Instalment 4.08K Loan Tenor 30 years Three Year Average Interest 1.53% Fixed interest rates
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 1.40% Fixed
Year 2: 1.40% Fixed
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500 Show more Find Out More
1-Month SORA First Year Interest 1.43% First Year Monthly Instalment 4.10K Loan Tenor 30 years Three Year Average Interest 1.48% Floating interest rates
Year 1: 1M SORA + 0.25%
Year 2: 1M SORA + 0.25%
Year 3: 1M SORA + 0.40%
Thereafter: 1M SORA + 0.75%
- 100% waiver of penalty due to sale
- Up to 30% partial repayment allowed during lock in
- Smart mortgage (up to 70% interest offset)
Cash rebate For refinancing only
Loan amount below 500K - $1,000
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500 Show more Find Out More
1-Month SORA (With 200K Deposit) First Year Interest 1.43% First Year Monthly Instalment 4.10K Loan Tenor 30 years Three Year Average Interest 1.48% Floating interest rates
(Must fund 200K before loan disbursement)
Thereafter: 1M SORA + 0.75%
- 100% waiver of penalty due to sale
- 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 Show more Find Out More
1-Month SORA First Year Interest 1.43% First Year Monthly Instalment 4.10K Loan Tenor 30 years Three Year Average Interest 1.48% Floating interest rates
Thereafter: 1M SORA + 0.60%
- Waiver of penalty due to sale
- Up to 30% partial repayment is allowed during lock in
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500 Show more Find Out More
1-Month SORA (Priority Banking) First Year Interest 1.43% First Year Monthly Instalment 4.10K Loan Tenor 30 years Three Year Average Interest 1.48% Floating interest rates
Thereafter: 1M SORA + 0.60%
- Waiver of penalty due to sale
- Up to 30% partial repayment is allowed during lock in
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500 Show more Find Out More
2 Year Fixed Plus First Year Interest 1.43% First Year Monthly Instalment 4.10K Loan Tenor 30 years Three Year Average Interest 1.48% Fixed interest rates
Year 1: 1.43% Fixed
Year 2: 1.43% Fixed OR 3M SORA + 0.35%
Year 3: 3M SORA + 0.40%
Thereafter: 3M SORA + 0.55%
- Can switch to floating rate at the start of Year 2
- One free conversion after lock in period
- 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 300K - $2,000 Show more Find Out More
1-Month SORA First Year Interest 1.43% First Year Monthly Instalment 4.10K Loan Tenor 30 years Three Year Average Interest 1.56% Floating interest rates
Year 3: 1M SORA + 0.65%
Thereafter: 1M SORA + 1.00%
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,500 Show more Find Out More
Contact Our Mortgage Advisors For the Best Housing Loan Interest Rates!
Compare Home Loans Rates in Singapore
Our online tool acts like a mortgage specialist — showing you all the available mortgage loan packages in Singapore, so you can select the home loan interest rate you want.
Chat with Mortgage Specialists in Singapore!
Our team of rockstar mortgage consultants in Singapore will follow up and provide you with personalised home loan advice, saving you time and money.
Claim the Best Mortgage Rates
While more Singaporeans are stressing about rising mortgages, you don’t have to. Our team of mortgage specialists in Singapore will connect you with the best bankers and lawyers, ensuring a fast and convenient application process.
Count on Our Mortgage Consultants in Singapore
Our journey doesn't end here - as your trusted mortgage advisor in Singapore, we'll keep you informed when home loan rates change, so that you can save for your entire mortgage journey.
The Mortgage Master Difference
Reliable Mortgage Brokers in Singapore
We built Mortgage Master to bring transparency and clarity to an outdated and opaque industry. As mortgage advisors in Singapore with over 50 years of combined experience, we offer personalised advice tailored to your needs. That includes tips on how to save on your monthly mortgage repayments, too
Exclusive Rates and Partnerships
As mortgage brokers in Singapore, we get access to home loan rates not available to the general public. We also partner with reliable bankers and law firms that we entrust our customers to. They ensure that your home loan application process is smooth and efficient.
Our Service is Free!
Mortgage brokers in Singapore like Mortgage Master earn a referral fee from the banks for each successful home loan application. Since every bank pays us the same referral fee, this allows us to be biassed FOR YOU, and work to your best interests.
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What People Are Saying
- “ Glad to have found a mortgage broker I can trust. Not only have they saved me a considerable sum of money, I have referred friends and family to them and they have never disappointed. Arief
- “ Honesty and trust at this level is hard to find in the financial sector. Mortgage Master keep up the good work! Steve
- “ Wow! The first time I sought advice they turned away my business, explaining why it was not the right time to refinance. This is the first time a broker told me the truth and was not hard selling. When I upgraded my home, Mortgage Master was my first port of call, and their explanations and value-add was a breath of fresh air. Kelvin
- “ Glad to have found a mortgage broker I can trust. Not only have they saved me a considerable sum of money, I have referred friends and family to them and they have never disappointed. Arief
- “ Honesty and trust at this level is hard to find in the financial sector. Mortgage Master keep up the good work! Steve
- “ Wow! The first time I sought advice they turned away my business, explaining why it was not the right time to refinance. This is the first time a broker told me the truth and was not hard selling. When I upgraded my home, Mortgage Master was my first port of call, and their explanations and value-add was a breath of fresh air. Kelvin
- “ Glad to have found a mortgage broker I can trust. Not only have they saved me a considerable sum of money, I have referred friends and family to them and they have never disappointed. Arief
- “ Honesty and trust at this level is hard to find in the financial sector. Mortgage Master keep up the good work! Steve
- “ Wow! The first time I sought advice they turned away my business, explaining why it was not the right time to refinance. This is the first time a broker told me the truth and was not hard selling. When I upgraded my home, Mortgage Master was my first port of call, and their explanations and value-add was a breath of fresh air. Kelvin
- “ Glad to have found a mortgage broker I can trust. Not only have they saved me a considerable sum of money, I have referred friends and family to them and they have never disappointed. Arief
- “ Honesty and trust at this level is hard to find in the financial sector. Mortgage Master keep up the good work! Steve
- “ Wow! The first time I sought advice they turned away my business, explaining why it was not the right time to refinance. This is the first time a broker told me the truth and was not hard selling. When I upgraded my home, Mortgage Master was my first port of call, and their explanations and value-add was a breath of fresh air. Kelvin
- “ Glad to have found a mortgage broker I can trust. Not only have they saved me a considerable sum of money, I have referred friends and family to them and they have never disappointed. Arief
- “ Honesty and trust at this level is hard to find in the financial sector. Mortgage Master keep up the good work! Steve
- “ Wow! The first time I sought advice they turned away my business, explaining why it was not the right time to refinance. This is the first time a broker told me the truth and was not hard selling. When I upgraded my home, Mortgage Master was my first port of call, and their explanations and value-add was a breath of fresh air. Kelvin
- “ Glad to have found a mortgage broker I can trust. Not only have they saved me a considerable sum of money, I have referred friends and family to them and they have never disappointed. Arief
- “ Honesty and trust at this level is hard to find in the financial sector. Mortgage Master keep up the good work! Steve
- “ Wow! The first time I sought advice they turned away my business, explaining why it was not the right time to refinance. This is the first time a broker told me the truth and was not hard selling. When I upgraded my home, Mortgage Master was my first port of call, and their explanations and value-add was a breath of fresh air. Kelvin
Lowest Singapore Mortgage Rates in 2025
Enquire new purchase (BUC)
Rates updated 21/01/2026
Enquire new purchase (completed)
Rates updated 21/01/2026
Enquire refinancing
Rates updated 21/01/2026
Call Our Mortgage Specialists Now to Obtain
the Lowest Home Loan Rates in Singapore!
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Frequently Asked Questions
How do mortgage brokers in Singapore make money?
We earn a referral fee from each bank upon every successful loan application. Every bank pays the same fee, and this ensures we are not swayed financially to provide advice that is not to our consumers’ benefit.
For those curious to learn more, click here to take a look at what exactly mortgage brokers do.
How are mortgage brokers in Singapore able to give us the best rates?
Just like how platforms such as Singsaver and MoneySmart offer the best credit card deals, mortgage brokers in Singapore work with banks to secure the best mortgage rates for you. Banks prefer working with mortgage brokers because they bring them clients, reducing their marketing costs. This means they can offer more competitive rates, and since brokers work with multiple lenders, the banks compete with each other to offer you the best possible deal.
Can you help me reprice my existing bank loan?
Repricing is typically facilitated by banks directly. That being said, our mortgage brokers in Singapore are more than happy to help advise on whether that is right for you, and give you assistance for a successful repricing experience.
How do I know when's the best time to refinance?
The typical timeline for refinancing in Singapore is at least three months before your lock-in period ends, while the timeline for repricing is 1 month. (P.S. — You can read up more on the difference between refinancing and repricing here) We recommend reaching out to our team of highly experienced mortgage consultants, to advise you on what’s the right time and what’s available in the market.
How can I get the latest bank rates?
Rates offered in the market differ by property type and loan amount. To get the latest bank rates, simply fill up the details here, and our mortgage advisors share with you the latest bank rates in the market.
Alternatively, should you wish to find out about other loan information, such as the best bank loans for HDBs or how to refinance your home loan in Singapore, reach out to us today!
Let me know when interest rates drop!